This plan allows you to repay your loans over an extended period of time.

For Direct Loans, this plan is available only to borrowers who have not received a new Direct Loan on or after July 1, 2026. FFEL borrower eligibility is separate.

Direct Subsidized and Unsubsidized Loans

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Subsidized and Unsubsidized Federal Stafford Loans

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All PLUS loans

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Eligible Direct Consolidation Loans and FFEL Consolidation Loans, subject to the plan’s borrower eligibility requirements.

Payments may be fixed or graduated.

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Payments are made for up to 25 years.

Your monthly payments would be lower, but you'll pay more for your loan over time than under the 10-year standard plan.

If you are a:

• Direct Loan borrower, you must have more than $30,000 in outstanding Direct Loans.
• FFEL borrower, you must have more than $30,000 in outstanding FFEL Program loans.

For both programs, you must also be a "new borrower" as of Oct. 7, 1998.