Loan repayment plans are designed to meet the needs of almost every borrower. Direct Loans are funded by the U.S. Department of Education and are managed by a loan servicer. You can choose your repayment plan and switch your plan if your needs change.
There are a variety of repayment options available to borrowers. Among the most popular are:
If you qualify for the income-based repayment plan (IBR), your loans may be forgiven after 20 or 25 years of on-time payments, depending on when you became a first-time borrower.
If you qualify for the income-based repayment plan (IBR) and work in public service, your loan may be forgiven after 10 years of on-time payments.
For a detailed explanation of all available repayment plans, visit the U.S. Department of Education's website on Repayment Plans.
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