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 need some information about the Graduated Repayment Plan.

assistant: I can assist you with that. The Graduated Repayment Plan allows you to start your loan with smaller payments that will increase every two years. You will make these payments for up to 10 years, depending on the amount of your loan.

assistant: Are you considered low income right now, but expect your income to increase over time?

user: No, I'm not considered low income.

user: Do the payments differ for someone with a direct consolidation loan?

assistant: Yes. The length of your repayment period will depend on the amount of your total education loan debt.

user: What is the Loan Simulator?

assistant: The loan simulator allows you to get an estimate of your payment amount. Be aware that this is just an estimate and you should contact your loan servicer to figure out the best loan repayment plan for you.

user: What type of loans are eligible for the Graduated Repayment Plan?

assistant: Loans taken under the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan Program are eligible for this plan. 

user: Where can I find more information on eligible federal loans?

assistant: You can find a list of loans under the William D. Ford Federal Direct Loan Program and FFEL Program on our website.