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:: What Are My Repayment Options? ::

If you’re struggling to make payments on your student loan, you may want to consider a different repayment option that works better with your spending plan. There are several repayment options for you to consider. If you’re interested in any of these options, contact your loan servicer for more information.

Standard | Graduated | Extended | Income-Sensitive | 
Income-Contingent | Income-Based | Pay As You Earn

View this video and its transcript on YouTube.

Standard Repayment

Graduated Repayment

Extended Repayment

Income-Sensitive Repayment

Income-Contingent Repayment

Income-Based Repayment

The Income-Based Repayment (IBR) plan is designed to make loan repayment easier for borrowers with lower salaries. The plan:

More information and the necessary forms are available on our Income-Based Repayment plan page. You can also access the Federal Student Aid IBR page to learn more and use their calculator to estimate your payments.

Calculate your monthly payment using the Department of Education's IDR calculator.

Pay As You Earn