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 info about the graduated repayment plan

assistant: Sure. In this plan, payments are made for up to 10 years between 10 and 30 years for consolidation loans.

user: What if my income is very low now?

assistant: Don't worry, this plan is good for you

user: Can you tell me about the monthly payments for consolidation loans?

assistant: Null

assistant: Do you have a Direct Consolidation Loan or FFEL Consolidation Loan?

user: Yes, that's right

assistant: Then the length of your repayment period will depend on the amount of your total education loan indebtedness. This total education loan debt includes the amount of your consolidation loan and your other student loan debt.

user: Can I  include other student loan debt in the determination of the repayment period for my Direct Consolidation Loan?

assistant: Yes, you can. Be sure to include those loans in your consolidation application in the section to list the loans that you do not want to consolidate, but that you want to consider in determining your repayment period.

user: How to use a loan simulator to estimate my eligibility and payment amount?

assistant: Your loan servicer can help you choose the best loan repayment plan for you