[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-304731-105":3,"detail-sidebar-cat-1-en-105":80,"doc-detail-304731-en":126},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":73,"head_meta":75,"extra_data":77,"updated_unix":79},105,"en","federal-student-loans-repayment-resources","Federal Student Loans - Repayment Resources","","Federal student loans cover borrowing through the William D. Ford Federal Direct Loan Program or the Federal Family Education Loan Program, along with where to manage repayment. It directs borrowers to use COVID-19 payment relief resources and the NSLDS system to view loan details. The overview explains repayment plan choices, including traditional plans (Standard, Graduated, Extended), income-driven repayment options with eligibility and annual renewal, and income-sensitive repayment for eligible FFELP loans. It also outlines consolidation considerations and timing for adding loans.",{"@graph":14,"@context":72},[15,34,55],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/letters/","Letters",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/federal-student-loans-repayment-resources/304731/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/federal-student-loans-repayment-resources/304731.png","ImageObject",442,249,{"name":42,"@type":43},"supergirl","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-09-27","2026-09-19",true,{"@type":52,"interactionType":53,"userInteractionCount":33},"InteractionCounter",{"@type":54},"ViewAction",{"@type":56,"mainEntity":57},"FAQPage",[58,64,68],{"name":59,"@type":60,"acceptedAnswer":61},"Where can borrowers view all federal student loans and their details?","Question",{"text":62,"@type":63},"Borrowers can log in to the National Student Loan Data System (NSLDS) to view all federal loans and their details.","Answer",{"name":65,"@type":60,"acceptedAnswer":66},"What repayment plans are included under the traditional options?",{"text":67,"@type":63},"Traditional repayment plans include Standard, Graduated, and Extended plans, generally available to Direct and FFELP loan borrowers.",{"name":69,"@type":60,"acceptedAnswer":70},"What happens if a borrower misses the annual deadline for IDR recertification?",{"text":71,"@type":63},"If the deadline is missed, unpaid accrued interest may be capitalized and the monthly payment will no longer be based on income, which may increase the monthly amount.","https://schema.org",{"og:url":32,"og:type":74,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":76,"canonical":32},"index,follow",{"doc_id":78,"site_id":7},304731,1790191615,{"code":4,"msg":81,"data":82},"success",[83,88,93,98,103,108,113,117,122],{"id":84,"doc_module":22,"doc_module_name":25,"category_name":85,"show_sort_weight":86,"slug":87},11,"Presentations",90,"presentations",{"id":89,"doc_module":22,"doc_module_name":25,"category_name":90,"show_sort_weight":91,"slug":92},12,"Resumes",80,"resumes",{"id":94,"doc_module":22,"doc_module_name":25,"category_name":95,"show_sort_weight":96,"slug":97},14,"Invoices",70,"invoices",{"id":99,"doc_module":22,"doc_module_name":25,"category_name":100,"show_sort_weight":101,"slug":102},15,"Posters",60,"posters",{"id":104,"doc_module":22,"doc_module_name":25,"category_name":105,"show_sort_weight":106,"slug":107},16,"Social Media",50,"social-media",{"id":109,"doc_module":22,"doc_module_name":25,"category_name":110,"show_sort_weight":111,"slug":112},17,"Forms",40,"forms",{"id":114,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":115,"slug":116},18,30,"letters",{"id":118,"doc_module":22,"doc_module_name":25,"category_name":119,"show_sort_weight":120,"slug":121},21,"Paper Templates",5,"papers-templates",{"id":123,"doc_module":22,"doc_module_name":25,"category_name":124,"show_sort_weight":4,"slug":125},158,"General","general-158",{"code":4,"msg":81,"data":127},{"doc_id":78,"user_id":128,"nickname":42,"user_avatar":129,"doc_module":22,"category_id":114,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":33,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":135,"language":136,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":12,"update_tm":140,"read_time":30},962088121634,"https://ap-avatar.wpscdn.com/davatar_9964176cb1d06d4a9deccf72a44ae3dc","Federal student loans  \n􀁠 Federal student loans are loans made through the William D. Ford Federal  \nDirect Loan Program (“Direct Loans”) or the Federal Family Education Loan Program (“FFEL Program”or “FFELP”)  \nRepayment resources  \nCOVID-19  \nGet updates on payment relief and learn about options available for your type of federal loans. Visit our COVID-19 Student Loan Support Center.  \nNational Student Loan Data System (NSLDS)  \nTo view all your federal loans and their details, log in to NSLDS.  \nCompare your options  \nEvaluate repayment plans, loan consolidation, payment postponement, and loan forgiveness with this repayment overview chart.  \nTraditional repayment plans  \nEligibility for traditional repayment plans  \nThree plans – Standard, Graduated, and Extended – are generally available to borrowers of Direct and FFELP Loans.  \nStandard repayment plan  \nStandard repayment plans last up to 10 years or up to 30 years for Consolidation Loans. They have fixed monthly payment amounts with a minimum payment of $50 per month. Monthly payment amounts are based on your total loan amount – the more you owe, the higher your monthly payment will be. You’ll pay less interest over time under this plan than under other plans.  \nmore on next page 􀁘  \nFor questions, call 800-722-1300. TDD/TTY users call 711.  \nCall Eastern Time, Monday 8 a. m.– 11 p. m., Tuesday through Friday 8 a. m.–8 p. m., and Saturday 10 a. m.–2 p. m. 1  \nGraduated repayment plan  \nGraduated repayment plans offer lower payments that step up to a fully amortizing payment. Graduated payments are lower at first and then increase, usually every two years. They are set at an amount to ensure your loans are repaid within the remaining terms. The repayment term is generally up to 10 years and may be up to 30 years for Consolidation Loans.  \nExtended repayment plan  \nExtended repayment plans offer up to 25 years to repay your loans. Extended plans are available for most borrowers with more than $30,000 in Direct Loan balances or $30,000 in FFELP loan balances. An Extended plan can be combined with either a Standard or Graduated repayment plan.  \nIncome-Driven Repayment (IDR) plans  \nA repayment plan based on your income can help you manage your federal student loan payments. With IDR plans, you could potentially reduce your monthly payment to as low as $0. Certain eligibility conditions apply and an annual renewal is required, so be sure to find out how these plans work.  \nTypes of IDR plans  \nRevised Pay As You Earn Repayment Plan (REPAYE)  \nFor Direct Loans only (excluding Parent PLUS and Consolidation Loans that repaid Parent PLUS)  \nPay As You Earn Repayment Plan (PAYE)  \nFor Direct Loans only (excluding Parent PLUS and Consolidation Loans that repaid Parent PLUS)  \nIncome-Based Repayment Plan (IBR)  \nFor Direct Loans and FFELP Loans (excluding Parent PLUS and Consolidation Loans that repaid Parent PLUS)  \nIncome-Contingent Repayment Plan (ICR)  \nFor Direct Loans only. NOTE: Direct PLUS Loans made to parents may be eligible if they are consolidated into a Direct Consolidation Loan based on an application received on or after July 1, 2006.  \nVisit the Federal Student Aid (FSA) website to:  \n􀂃 Learn more about IDR plans  \n􀂃 Develop a plan to keep your loan repayment on track  \n􀂃 Learn about managing your account Complete an IDR application [at StudentAid.gov](at StudentAid.gov)  \nmore on next page 􀁘  \nFor questions, call 800-722-1300. TDD/TTY users call 711.  \nCall Eastern Time, Monday 8 a. m.– 11 p. m., Tuesday through Friday 8 a. m.–8 p. m., and Saturday 10 a. m.–2 p. m. 2  \nIncome-sensitive for FFELP loans only  \nAlthough not part of the IDR program, customers with eligible FFELP Loans also have an Income-Sensitive Repayment (ISR) option. To find out if you’re eligible, log in, go to Repayment Options, and follow the prompts. If eligible, you’ll have the option to apply online, or you can download the form.  \nIDR annual renewal  \nIf you’re repaying federal student loan","cbCaidTFVpfk0sPS","https://ap.wps.com/l/cbCaidTFVpfk0sPS","pdf",515073,8,"English","# Federal student loans\n## Repayment resources\n## Compare your options\n### Traditional repayment plans\n### Income-Driven Repayment (IDR) plans\n### Income-sensitive for FFELP loans only\n## IDR annual renewal\n## Direct loan consolidation","[{\"question\":\"Where can borrowers view all federal student loans and their details?\",\"answer\":\"Borrowers can log in to the National Student Loan Data System (NSLDS) to view all federal loans and their details.\"},{\"question\":\"What repayment plans are included under the traditional options?\",\"answer\":\"Traditional repayment plans include Standard, Graduated, and Extended plans, generally available to Direct and FFELP loan borrowers.\"},{\"question\":\"What happens if a borrower misses the annual deadline for IDR recertification?\",\"answer\":\"If the deadline is missed, unpaid accrued interest may be capitalized and the monthly payment will no longer be based on income, which may increase the monthly amount.\"}]","Federal Student Loans - Repayment Resources | PDF",1789816598]