Student Loan Repayment Options: Federal Program Comparison
By Federal Student Aid Office | 8 min read
Compare federal student loan repayment plans. Income-driven options and forgiveness programs from Federal Student Aid.
Federal Student Aid offers multiple repayment plans to fit your budget. Standard Repayment: Fixed payments over 10 years, Graduated Repayment: Payments start low and increase every two years, Income-Driven Repayment: Payments based on income and family size (IDR plans include IBR, PAYE, REPAYE, ICR). IDR plans offer loan forgiveness after 20-25 years of payments. Use the Federal Student Aid repayment estimator to compare options.\n\n**Related Resources**\n- [Financial Planning Tools](/tools)\n- [Budget Calculator](/budget-planner)\n- [Credit Guide](/category/Debt%20%26%20Credit)\n- [Money Saving Tips](/category/Save%20Money)