Graduated Repayment Plan

repayment-vs-standard-ccThis plan is similar to the Standard plan in its calculation of a monthly payment, as it is based on the loan balance, interest rate and loan term. The major difference is that for the first two years, interest-only payments are made. The monthly payment then gradually increases every two years, eventually capping out. The monthly payment will never be more than 150% of any other payment. The repayment period is based upon the total loan balance.

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Disclaimer: This site does not negotiate, adjust or settle debts. All federal student borrowers are able and encouraged to apply for any federal repayment or forgiveness programs through the US Department of Education for free without paying fees to any entity. Nothing on this site constitutes official qualification or guarantee of result. Student Debt Doctor offers fee-based services to assist with application preparation for federal student loan and other programs.
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