 TITLE: What Is Income-Based Repayment? CONTENT: Stay on Top of Your Credit to Improve Your Long-Term Financial Standing\n-----------------------------------------------------------------------\nWhile you may be struggling now and need an income-driven repayment plan, it's important to take steps to improve your financial well-being over time. One way to do that is to establish and maintain a good credit history. With great credit, you can score lower interest rates on loans and credit cards, save money on car and homeowners insurance, and more.\nKeep track of your credit score to have an idea of where you stand and where you can put your focus to make improvements. Experian's credit monitoring service not only gives you free access to your FICO® Score☉ powered by Experian data but also helps you monitor your spending and provides real-time alerts about certain changes to your Experian credit report.\nAs you take steps to build your credit history and maintain a good credit score, you'll have a better chance of achieving your financial goals. END