The Graduated Repayment Plan starts with lower payments that increase every two years.

Payments are made for up to 10 years.

Graduated Plan

If your income is low now, but you expect it to increase steadily over time, this plan may be right for you.

Eligible Federal Loans

The following loans from the William D. Ford Federal Direct Loan (Direct Loan) Program and the Federal Family Education Loan (FFEL) Program are eligible for the Graduated Repayment Plan:

  • Direct Subsidized Loans
  • Direct Unsubsidized Loans
  • Direct PLUS Loans
  • Direct Consolidation Loans
  • Subsidized Federal Stafford Loans
  • Unsubsidized Federal Stafford Loans
  • FFEL PLUS Loans
  • FFEL Consolidation Loans

Monthly Payments              

Under this plan, your monthly payments

  • start out low and increase every two years,
  • are made for up to ten years,
  • will never be less than the amount of interest that accrues between your payments, and
  • won’t be more than three times greater than any other payment.

Calculate your estimated loan payments under this plan!