How to Fill Out the Adoi Form
Follow these five steps to complete the Alternative Documentation of Income form accurately.
- Personal information: Enter your full name, address, Social Security Number, and loan account number.
- Income sources: Check each income type that applies and write the monthly amount. List wages, unemployment benefits, alimony, child support, and Social Security separately.
- Family size: Enter the number of people in your household, including yourself, your spouse, and all dependents. A larger family size reduces your calculated payment.
- Supporting documents: Attach current proof for every income source you listed. Pay stubs must be dated within 90 days. Benefit award letters and tax notices are also accepted.
- Signature and submission: Sign under penalty of perjury. Send the completed form to your loan servicer by mail, fax, or through their online portal.
Who Needs the Adoi Form
Use the adoi form when your tax return does not show your actual current income. Common situations include a recent job loss, a pay reduction, new lower-wage employment, or income from sources not reported on a federal return. Borrowers applying for an income-based repayment plan or a loan rehabilitation agreement may also need to submit this form.
Frequently Asked Questions
What does ADOI stand for?
ADOI stands for Alternative Documentation of Income for Rehabilitation Repayment Agreements. Loan servicers use it to verify a borrower's income when standard tax data is unavailable or outdated.
How long is the income documentation valid?
Income documents are typically valid for 90 days from the date they were issued. Your servicer recertifies your income once per year, at which point you will need to provide updated documentation.
Can I use the adoi form for income-driven repayment?
Yes. The adoi form is accepted for both loan rehabilitation and income-based repayment plans. Submit it along with your repayment plan application if your servicer requires alternative income documentation.
What documents do I need to attach?
Provide one document per income source: recent pay stubs, unemployment benefit letters, Social Security award notices, or court-ordered support decrees. See the income documentation form for a full list of accepted documents.