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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.

How the Graduated payment is set, as a diagram
How the Graduated payment is set. The exact rule is in the table below.
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 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

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

Watch out

  • No PSLF credit
  • More interest than Standard
A woman at her kitchen table with her loan statement and a laptop, at ease

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. Every position is free, with the math; the kit to switch is $29.

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

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