Skip to main content

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. 

In graduated repayment, payments start off low and increase every two years. You can contact your loan servicer to enroll, and all federal student loan borrowers are eligible for this program.

See more tips for repaying student loans, including income-driven repayment.