Graduated Repayment Plan

---

This plan is accessible to all borrowers as a default option, recognized as the 10-year repayment plan, and is automatically provided to each borrower.

This plan covers a range of loan types, including Direct Loans, PLUS Loans, and Stafford Loans (both Subsidized and Unsubsidized), as well as Consolidation Loans.

Payments are distributed across a span of 10 years, initially starting at a lower amount and gradually increasing every two years, culminating in the complete repayment of the loan balance.

For Consolidation Loans, the repayment period can extend up to 30 years. It's important to note that compared to the 10-year Standard Repayment Plan, you will pay a higher amount over time.

While this plan is generally not recommended for those pursuing the Public Service Loan Forgiveness (PSLF) program, it's essential to consider your individual circumstances. Feel free to contact us for further guidance or clarification on your repayment options.