<human>: Hey everyone, pretty self explanatory title.  I've been going back to school at the Harvard Extension school for my Masters in Software Engineering and because you need to take and pass three courses with a B or higher, I have not been able to receive any financial aid yet.  In order to avoid taking out loans I've been using credit cards with 0% interest and then paying them off before the intro rate expires.  So far I've paid down 2/3 classes needed for being accepted into the school and am on the last one.  Times are getting tough and I've decided to try and reduce my student loan payments from my BS with the Pay As You Earn program.  I figure I can take the difference from what I was paying towards my loans and put it into my credit card bill to pay it faster.  Just wondering how long it takes for one of these requests to process usually if you send it in online from the StudentLoans.gov website?  I've looked all over the site and Googled a ton but there no estimated processing time.  Has anyone else applied and how long did it take to "kick in"?

Give me a shortened version of the text
<bot>: How long does it take for an online IBR/Pay As You Earn/ICR Request take to process when applying on the StudentLoan.gov website?