A qualifying repayment plan is a type of repayment strategy for student loans that meets specific criteria set by the U.S. Department of Education. These plans are designed to help borrowers manage their loan payments based on their income and family size, making it easier to repay their loans over time. Borrowers enrolled in a qualifying repayment plan may benefit from programs like Income-Driven Repayment (IDR) plans, which can lower monthly payments and potentially lead to loan forgiveness after a certain period. It's important for borrowers to understand the requirements and options available to them to ensure they choose the best plan for their financial situation.