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Resources & Tools

Student Loan Repayment Options

The average student loan debt is more than $35,000. If you are ready to start repaying your Federal student loan debt, there are several repayment options available to you.

Most borrowers start with the standard plan and adjust their repayment option as needed. There are 3 repayment plans that have 10-15 year loan terms, with fixed or graduated payments and typically cost the least in interest.

a. Standard repayment plan
i. Up to 10 years
ii. Plan with the least amount of interest paid over time

b. Graduated repayment plan
i. Up to 10 years
ii. Payments increase every two years

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