Right Repay

Open, for more than $30,000 in Direct Loans

Extended 25-year

A lower fixed payment stretched over 25 years. The most interest of any plan, no PSLF credit.

See where it ranks for you, free Two minutes, your own numbers, every plan side by side.

How the Extended payment is set, as a diagram
How the Extended payment is set. The exact rule is in the table below.
Payment
A level payment (or a graduated one) over 25 years.
Who qualifies
More than $30,000 in Direct Loans, and no Direct Loan balance from before October 7, 1998. Loans made before July 1, 2026.
Forgiveness
None.
Interest
The most of any plan: 25 years of it.
PSLF
Does not count toward PSLF, with one narrow exception: a month whose payment is at least what the 10-year Standard plan would charge counts.
Taxes
Nothing is forgiven, so nothing is taxed.
How to apply
Request it from your servicer with the Repayment Plan Request.
Leaving it
You can move to any plan you qualify for.
Dates
No end date.

Good for

  • A low fixed payment when income-driven plans are closed to you

Watch out

  • Costs the most over the life of the loan
  • No forgiveness, no PSLF
A woman at her kitchen table with her loan statement and a laptop, at ease

Where Extended lands for you depends on your numbers.

Right Repay runs every plan on your income, household, balance and loan dates, ranks them on all-in cost, and shows the math. Every position is free, with the math; the kit to switch is $29.

Rank my plans, free

Sources

Which plan is right for you depends on your income, your balance and your loans' dates.

Rank every plan for me, free

The other plans

Guides