Graduated repayment is a way to repay your student loans that works for those who expect their incomes to rise over time. In graduated repayment, payments start off low and increase every two years. You can contact your loan servicer to enroll, and all federal student loan borrowers are eligible for this program.

TIP: When it comes to federal student loans, your best option to get a more affordable payment is the income-based repayment program. You can always make extra payments if you’re able to.