Student Loan Repayment Chart
FEDERAL STUDENT LOAN REPAYMENT PLANS
Repayment
Plan
Eligible Loans
Monthly Payment and
Time Frame
Quick Comparison
Standard
Repayment
Plan
Direct Subsidized
and Unsubsidized
Loans
Subsidized and
Unsubsidized
Federal Stafford
Loans
all PLUS loans
Payments are a fixed amount
of at least $50 per month.
Up to 10 years
You'll pay less interest for
your loan over time under
this plan than you would
under other plans.
Graduated
Repayment
Plan
Direct Subsidized
and Unsubsidized
Loans
Subsidized and
Unsubsidized
Federal Stafford
Loans
all PLUS loans
Payments are lower at first
and then increase, usually
every two years.
Up to 10 years
You'll pay more for your
loan over time than under the
10-year standard plan.
Extended
Repayment
Plan
Direct Subsidized
and Unsubsidized
Loans
Subsidized and
Unsubsidized
Federal Stafford
Loans
all PLUS loans
Payments may be fixed or
graduated.
Up to 25 years
Your monthly
payments would be
lower than 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 example, if you have
$35,000 in outstanding FFEL
Program loans, and $10,000
in Direct Loans, you can use
the extended repayment plan
for your FFEL Program
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