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Student Loan Repayment

New college graduates with student loan debt have a big decision to make about which repayment plan is best for them.


The two main types of repayment options are traditional and income-driven. Traditional repayment plans consist of standard, graduated and extended repayment plans. Income-driven plans include income based, income contingent, income sensitive,pay as you earn and revised pay as you earn repayment plans.

To see what plan or plans you are eligible for or to calculate what your monthly payments would be under each of these repayment plans, visit After logging in, you can use the Repayment Estimator Tool to enter your income and family size. The tool will calculate payments under each of these plans.

For more detailed information about each of these repayment plans, visit


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