Graduated Repayment Plan
|
Repayment Type |
Information |
Eligible Loans |
Monthly Payments |
Quick Comparison |
|
This plan starts with lower payments that increase every two years. Direct borrowers who receive a new Direct Loan on or after July 1, 2026 cannot use this plan for their Direct Loans. Borrowers with only earlier Direct Loans and eligible FFEL borrowers may qualify.
|
Direct Subsidized and Unsubsidized Loans --- Subsidized and Unsubsidized Federal Stafford Loans --- All PLUS loans --- Eligible Direct Consolidation Loans and FFEL Consolidation Loans. |
Payments are made for up to 10 years (between 10 and 30 years for consolidation loans). |
You'll pay more for your loan over time than under the 10-year standard plan. |
