...your IBR includes dependents, both born and not yet born. This means that you can claim your child while you are pregnant and begin getting a lower monthly payment immediately. I just thought I would share this information because I know a few people who were unaware of this. But at 5 weeks pregnant, I had already claimed my unborn baby by submitting a new IBR application on studentloans.gov. I didn't have to submit medical records or anything. Very easy!