Graduated Repayment Program

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Information on the Graduated Repayment Program

Similar to the Standard repayment program, the graduated program is another basic repayment option that doesn’t have any forgiveness once you’re done repaying on your loans. The intent of the program was to provide a lower monthly payment in the beginning with it gradually increasing every two years, hence the name graduated repayment!  One main disadvantage for this program is that you will pay more with this program as you would when comparing to the standard program. The loans that qualify for this program include:

• Direct Subsidized Loans

• Direct Unsubsidized Loans

• Direct PLUS Loans

• Direct Consolidation Loans

• Subsidized Federal Stafford Loans

• Unsubsidized Federal Stafford Loans


• FFEL Consolidation Loans

Let us continue to use John D as an example on how these programs work as well. With his $30,000.00 loan under the graduated program his monthly would start off at $199 and then will rise all the way up to $597 a month for 24 months, with a total payout of $44,581.

Like the standard program, the graduated program offers an extended repayment term as well. Known as the extended graduated program. Continuing to use john as the example, his payments will be $170 for the first two years and for the last two years he will end up with a payment of $297 for the last two years.  His total payout for his $30,000.00 would be $67,664.00. More than double than what he originally took out.  Generally, people that deiced to use this repayment option are the ones that know for sure that their income will be significantly improving year after year.  Another major setback with the graduated program is that this as well as the Standard repayment program are not an “Income Driven Repayment” option. Meaning that your monthly payments will not be determined by your income but solely based off of your original loan amount and repayment term. Just as in a traditional loan


Under the guidelines that were provisioned under the William D Ford Act, standard and extended fixed repayment options aren’t qualified payments for the Public Service Loan Forgiveness. A program that forgives your student loans if you are a full-time employee working for certain non for profit jobs or public sector jobs. For more information on PSLF click here.

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