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标准还款计划
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- 直接次级贷款和不明贷款
- Sub and UnSub Federal Stafford Loans
- 所有PLUS贷款
- 所有合并贷款
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- 付款是固定数额的.
- 长达10年.
(up to 30 years for Consolidation Loans)
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- All borrowers are eligible for this plan.
- You’ll pay less over time than under other plans.
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分级还款计划
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- 直接次级贷款和不明贷款
- Sub and UnSub Federal Stafford Loans
- 所有PLUS贷款
- 所有合并贷款
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- Payments are lower at first and then increase, usually every two years.
- 长达10年.
(up to 30 years for Consolidation Loans)
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- All borrowers are eligible for this plan.
- You’ll pay more over time than under the 10-year Standard Plan.
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延长还款计划
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- 直接次级贷款和不明贷款
- Sub and UnSub Federal Stafford Loans
- 所有PLUS贷款
- 所有合并贷款
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- Payments may be fixed or graduated.
- 长达25年.
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- If you're a Direct Loan borrower, you must have more than $30,000 in outstanding Direct Loans.
- If you're a FFEL borrower, you must have more than $30,000 in outstanding FFEL Program loans.
- Your monthly payments will be lower than under the 10-year Standard Plan or the 分级还款计划.
- You’ll pay more over time than under the 10-year Standard Plan.
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Revised Pay As You Earn Repayment Plan (REPAYE)
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- 直接次级贷款和不明贷款
- Direct PLUS loans made to students
- 直接合并贷款 that do not include PLUS loans (Direct or FFEL) made to parents
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- Your monthly payments will be 10 percent of discretionary income.
- Payments are recalculated each year and are based on your updated income and 家庭规模.
- 如果你结婚了, both your and your spouse’s income or loan debt will be considered, whether taxes are filed jointly or separately (with limited exceptions).
- Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 or 25 years.
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- Any Direct Loan borrower with an eligible loan type may choose this plan.
- Your monthly payment can be more than the 10-year Standard Plan amount.
- You may have to pay income tax on any amount that is forgiven.
- Good option for those seeking Public Service Loan Forgiveness (PSLF).
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Pay As You Earn Repayment Plan (PAYE)
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- 直接次级贷款和不明贷款
- Direct PLUS loans made to students
- 直接合并贷款 that do not include (Direct or FFEL) PLUS loans made to parents
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- Your maximum monthly payments will be 10 percent of discretionary income.
- Payments are recalculated each year and are based on your updated income and 家庭规模.
- 如果你结婚了, your spouse's income or loan debt will be considered only if you file a joint tax return.
- Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 years.
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- You must be a new borrower on or after Oct. 1, 2007, and must have received a disbursement of a Direct Loan on or after Oct. 1, 2011.
- You must have a high debt relative to your income.
- Your monthly payment will never be more than the 10-year Standard Plan amount.
- You’ll pay more over time than under the 10-year Standard Plan.
- You may have to pay income tax on any amount that is forgiven.
- Good option for those seeking Public Service Loan Forgiveness (PSLF).
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以收入为基础还款计划(IBR)
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- 直接次级贷款和不明贷款
- Sub and UnSub Federal Stafford Loans
- 所有PLUS贷款给学生
- Consolidation Loans (Direct or FFEL) that do not include Direct or FFEL PLUS loans made to parents
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- Your monthly payments will be 10 or 15 percent of discretionary income.
- Payments are recalculated each year and are based on your updated income and 家庭规模.
- 如果你结婚了, your spouse's income or loan debt will be considered only if you file a joint tax return.
- Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 or 25 years.
- You may have to pay income tax on any amount that is forgiven.
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- You must have a high debt relative to your income.
- Your monthly payment will never be more than the 10-year Standard Plan amount.
- You’ll pay more over time than under the 10-year Standard Plan.
- Good option for those seeking Public Service Loan Forgiveness (PSLF).
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Income-Contingent Repayment Plan (ICR)
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- 直接次级贷款和不明贷款
- Direct 加上贷款 made to students
- 直接合并贷款
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- Your monthly payment will be the lesser of
- 20 percent of discretionary income, OR the amount you would pay on a repayment plan with a fixed payment over 12 years, 根据你的收入调整.
- Payments are recalculated each year and are based on your updated income, 家庭规模, and the total amount of your Direct Loans.
- 如果你结婚了, your spouse's income or loan debt will be considered only if you file a joint tax return or you choose to repay your Direct Loans jointly with your spouse.
- Any outstanding balance will be forgiven if you haven't repaid your loan in full after 25 years.
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- Any Direct Loan borrower with an eligible loan type may choose this plan.
- Your monthly payment can be more than the 10-year Standard Plan amount.
- You may have to pay income tax on the amount that is forgiven.
- Good option for those seeking Public Service Loan Forgiveness (PSLF).
- Parent borrowers can access this plan by consolidating their Parent 加上贷款 into a Consolidation Loan.
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考虑收入的还款计划
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- Sub and UnSub Federal Stafford Loans
- 附加贷款
- FFEL合并贷款
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- Your monthly payment is based on annual income.
- 最长15年.
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- You’ll pay more over time than under the 10-year Standard Plan.
- The formula for determining the monthly payment amount can vary from lender to lender.
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