The Graduated Repayment Plan starts with lower payments that increase every two years. 
Payments are made for up to 10 years between 10 and 30 years for consolidation loans. If your income is low now, but you expect it to increase steadily over time , this plan may be right for you. 

Eligible Federal Loans 
The following loans from the William D. Ford Federal Direct Loan Direct Loan Program and the Federal Family Education Loan FFEL Program are eligible for the Graduated Repayment Plan : Direct Subsidized Loans Direct Unsubsidized Loans Direct PLUS Loans Direct Consolidation Loans Subsidized Federal Stafford Loans Unsubsidized Federal Stafford Loans FFEL PLUS Loans FFEL Consolidation Loans 

Monthly Payments for Federal Education Loans Except Consolidation Loans 
Under this plan , your monthly payments start out low and increase every two years , are made for up to 10 years for all loan types except Direct Consolidation Loans and FFEL Consolidation Loans , will never be less than the amount of interest that accrues between your payments , and won t be more than three times greater than any other payment. 

Monthly Payments for Consolidation Loans 
Under this plan , your monthly payments start out low and increase every two years , are made for a period of between 10 and 30 years for Direct Consolidation Loans and FFEL Consolidation Loans , will never be less than the amount of interest that accrues between your payments , and won t be more than three times greater than any other payment. If you have a Direct Consolidation Loan or FFEL Consolidation Loan , the length of your repayment period will depend on the amount of your total education loan indebtedness. This total education loan indebtedness includes the amount of your consolidation loan and your other student loan debt. Other student loan debt includes any federal student loans that are not included in the consolidation loan, as well as private education loans that are not eligible for consolidation. The ma

user: I heard about a repayment plan which isn't all at once and would like information.

assistant: Yes the Graduated Repayment Plan starts with lower payments that increase every two years, and payments are made for up to 10 years between 10 and 30 years for consolidation loans.

assistant: Are you in a low paying job?

user: Yes and I was worried about being hampered by huge debt repayment.

assistant: Well if your income is low now but you expect it to increase steadily over time, this plan may be right for you.

user: Are all Federal Student Aid eligible for this graduated repayment?

assistant: A list of loans from the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan FFEL Program which are eligible for the Graduated Repayment Plan can be found here.

user: Does the list include the Direct Subsidized Loans?

assistant: Yes it is eligible.

user: How often must I make a payment my loan?

assistant: You must make monthly payments.

user: Are there criteria for the amount that I must pay?

assistant: Yes, for example, your monthly payments will never be less than the amount of interest that accrues between your payments and they won't be more than three times greater than any other payment.