"A technical glitch may be discouraging some student-loan borrowers from signing up for an income-based repayment plan, consumer advocates and financial-aid administrators warn," Chronicle of Higher Education reports. "Income-based repayment, which allows borrowers to repay their loans as a percentage of their income as graduates, went into effect on July 1. But the Education Department's account-repayment Web site does not list the plan as an option on its drop-down menu, and will not until March. A department spokesman said the agency had planned to update the menu in September, but pushed back the date because of "resource limitations" at the department and its servicing contractor, ACS. In recent months, both entities have been consumed with expanding the department's loan-processing capacity to accommodate more loans and to prepare for a potential switch of all federal loans to the direct-lending program, the spokesman said."