Does anyone know or have experience whether Direct Income Contingent repayment is calculated using AGI or modified AGI?
For example, say I work half the year in Germany, and my income is $150,000, half German-source and half domestic. IRS has a foreign income exclusion which would cover all my German income, and result in a MAGI of $75,000. If Direct receives pre-modified AGI numbers for the payment calculations, they see 150K - if they're getting MAGI from IRS, then they're going to see 75K - that's quite a big difference in monthly payments.
Everything about the ICR plan available online says AGI is used, but since AGI sometimes is used loosely to mean MAGI, I'm none the wiser.