Graduated repayment

Graduated repayment allows Stafford, PLUS, and many of our private student loan borrowers to make reduced payments that may be as low as interest only for up to four years followed by standard payments of principal and interest for the remaining repayment term.

Keep in mind that reduced payments may increase the total cost since the loan principal is repaid more slowly.

Terms and conditions apply. Partial or full prepayment is allowed at any time without penalty. Eligibility for a graduated repayment plan may vary depending on loan type, interest rate, outstanding balance, and repayment time remaining.

If you are already in repayment, simply go to Manage Your Loans^®.