You’ll generally have between 10 and 25 years to pay off Parent Plus Loans. How long it takes you to repay your loan depends on the repayment plan that you have set up. Your options for repayment plans include a standard plan, a graduated repayment plan, and an extended repayment plan. Keep in mind however, that should you refinance your loan, you will lose access to these payment plans and will be subject to whatever payment plan you and your private lender agree to.