The federal government now offers a multitude of complicated income-driven repayment (IDR) plans that are difficult to understand, enroll in, and stay in. Many students who would benefit from IDR do not enroll, and others will have large amounts of debt forgiven despite earning high wages. The current problems with IDR are not an indictment of the basic approach, and IDR can be an important safety net for students whose earnings do not match the investment they made in their education. But the current version of IDR has problematic design details and implementation failures. This brief offers solutions to some of the biggest problems with IDR, drawing on the longer report, "Income-Driven Repayment of Student Loans: Logic, History, and the Need for Reform" (ED620805) which provides details on each of these solutions.