Student Loan Repayment Plan

Student Loan Repayment Plan

Did you know that you have choices when it comes to your student loan repayment plan? Yes, you do! So, why not choose the one that’s best for you? US Direct can help you choose a federal student loan repayment plan that’s just the right fit for you and your budget.

Most student loan borrowers don’t know that when it comes to paying back their loans, there are options that can make your repayment easier to handle each month. How so?  Quite simply, student loan repayment plans are either based on your present income or can be extended over time to lower your monthly payment.

Important information to know:  Although you may be assigned a repayment plan when you first begin repaying your student loan, you can change repayment plans at any time.


Currently, there are six (6) Repayment Plans available for Federal Student Loans.

  • Standard Repayment Plan
  • Graduated Repayment Plan
  • Extended Repayment Plan
  • Income-Based Repayment Plan (IBR)
  • Income-Contingent Repayment Plan (ICR)
  • Income-Sensitive Repayment Plan

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