Georgia Student Finance Commission

Extended Repayment Plan

Federal Student Loans

Extended Repayment Plan

Repayment Type Information Eligible Loans Monthly Payments Quick Comparison
Extended Repayment Plan This plan allows you to repay your loans over an extended period of time.

Direct Subsidized and Unsubsidized Loans


Subsidized and Unsubsidized Federal Stafford Loans


All PLUS loans

Payments may be fixed or graduated.


Payments are made for up to 25 years.

Your monthly payments would be lower, but you'll pay more for your loan over time than under the 10-year standard plan.

If you are a:

  • Direct Loan borrower, you must have more than $30,000 in outstanding Direct Loans.
  • FFEL borrower, you must have more than $30,000 in outstanding FFEL Program loans.

For both programs, you must also be a "new borrower" as of Oct. 7, 1998.

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