It is important to provide accurate financial information on your application. If you provide a lower amount of income on your application than what you will actually earn in 2016, you may have to pay back a large amount of taxes in 2015. If you are not sure how much income you will earn in 2016, review your income from 2014. You can then increase your 2015 income by an estimated additional income for 2016 to get an accurate estimate for your 2015 income. You may want to speak with a tax adviser.