Annotation Provides a guide for financial aid advisors and graduate students to help them understand who can benefit by electing to use the current income-contingent plan and how that plan can be improved. Annotation The income-contingent student loan repayment plan created by Congress in 1993 should have helped idealistic high-debt borrowers to have public service careers. But few students use it. Schrag shows why most would-be public servants reject this option and how Congress could reform the program to make it work.