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Graduated 10-year

Starts low, rises every two years, paid off in ten. No PSLF credit.

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

Payment
Payments start near interest only and step up every two years; the last step is at most three times the first. The balance clears in 10 years.
Who qualifies
Loans made before July 1, 2026.
Forgiveness
None.
Interest
More interest than Standard, because early payments barely touch principal.
PSLF
Does not qualify.
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

  • Income you expect to rise quickly, without wanting an income-driven plan

Watch out

  • No PSLF credit
  • More interest than Standard
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Where Graduated 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. Positions 2 onward are free; the kit to switch is $29.

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Sources

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

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