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Posted by / 07-Sep-2016 04:17

Are consolidating

• Income Contingent Repayment Plan (ICR) Your monthly payments will be based on annual income, Direct Loan balance, and family size. • Income-Based Repayment Plan (IBR) Your monthly payments will be based on your annual income and family size, and spread over 25 years.

You must be experiencing a partial financial hardship to initially select this plan and once you select this plan you cannot change to any other plan except standard.

There is no limit to how many times you can change.• Graduated Repayment Plan Your minimum payment amount will be at least equal to the amount of interest accrued monthly.Your payments start out low, and then increase every two years for up to 10-30 years and is based on your total education indebtedness (loan amounts).• Extended Repayment Plan To be eligible, your Direct Loan balance must be greater than ,000 and you will have up to 25 years to repay your loans.You have two payment options: – Fixed Monthly Payment Option: You will pay a fixed amount each month until your loans are paid in full.

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Loans that are in-school status cannot be included in the Federal Loan Forgiveness Program.

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