Standard Repayment Plan

repayment-vs-standard-ccA standard repayment plan simply looks at the loan balance, interest rate and loan term to determine a monthly payment. Payments are fixed for the life of the loan. The repayment period is based upon the total loan balance. (Chart below)

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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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