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The Financial Counseling Association of America

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Standard Repayment

When a borrower leaves school and enters repayment on their student loans, these loans are typically enrolled on a Standard Repayment Plan. On the Standard Repayment Plan, borrowers are required to pay a fixed payment over a ten year term (10-30 years for Consolidation Loans). The Standard Repayment Plan is a good option for borrowers who wish to pay off their loans within a short time frame. Since the Standard Repayment Plan is set to a ten year repayment term, this plan often requires higher monthly payments than alternative plans, but also results in money saved in total interest costs.

Loans Eligible for Standard Repayment

  • Direct Subsidized Stafford Loans
  • Direct Unsubsidized Stafford Loans
  • Direct PLUS Loans for Parents or Graduate Students
  • Direct Consolidation Loans
  • Subsidized FFEL Stafford Loans
  • Unsubsidized FFEL Stafford Loans
  • FFEL PLUS Loans for Parents or Graduate Students
  • FFEL Consolidation Loans

To enroll in the Standard Repayment Plan, borrowers can contact their loan servicer(s).

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Repayment Plans

  • Standard Repayment
  • Graduated Repayment
  • Extended Repayment
  • Income Sensitive Repayment
  • Income-Based Repayment
  • Income-Contingent Repayment
  • Pay As You Earn
  • Revised Pay As You Earn (REPAYE)
  • Deferment & Forebearance
  • Loan Discharge
  • Student Loan Forgiveness for Teachers
  • Student Loan Forgiveness for Public Service
  • Perkins Loan Cancellation
  • Federal Consolidation
  • Federal Student Loan Default
  • Private Student Loan Options

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