Graduated or Income-Sensitive Repayment

If you are having difficulty making payments at your currently scheduled monthly amount, you may benefit from a graduated or income-sensitive repayment schedule.

In a graduated repayment schedule, payments at the beginning of the schedule are smaller (often covering interest, only) and then increase as time goes on.  This is based on the expectation that, like most people, your earnings will increase over time.

In an income-sensitive repayment schedule, your lender or servicer adjusts your payment amount annually based on your current income.

Please note that, with either the graduated or income-sensitive repayment schedule, we may wind up paying a larger amount of interest than through a conventional, or “level” repayment plan.

If you think that either a graduated or income-sensitive repayment schedule is the best option for you, you should contact your servicer.  Click here for a list of servicers and contacts.

If you think that a graduated or income-sensitive repayment schedule is not the best option for you, please either check out the other options on this Results page, or click on the Return to Questionnaire button at the bottom of this page, and make another selection.