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How to extend payments on student loans
Access your lender's website and either log in to your account or search for student loan repayment plan options.
Read about the repayment plans available that will extend your student loan payments.
Typically, there are 4 options for extending payments: graduated repayment, income-sensitive repayment, extended repayment and loan consolidation.
Graduated repayment allows you to make low payments that increase gradually over time. Income-sensitive repayment bases your student loan payments upon your income.