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What is graduated repayment?

Graduated repayment is a way to repay your student loans that works for those who expect their incomes to rise over time.

With a graduated repayment plan , payments start off low and increase every two years. If you have a federal student loan, you can contact your loan servicer or lender to enroll. If you have private student loans, you can contact your servicer to see if a graduated repayment plan is available.

Learn more about student loan repayment options.