Georgia Student Finance Commission

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Income-Sensitive Repayment Plan

Federal Student Loans

Income-Sensitive Repayment Plan

Repayment Type Information Eligible Loans Monthly Payments Quick Comparison
Income-Sensitive Repayment Plan

This is available to low-income borrowers who have Federal Family Education Loan (FFEL) Program loans.

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The payments under this plan increase or decrease based on your annual income.

Subsidized and Unsubsidized Federal Stafford Loans

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FFEL PLUS Loans

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FFEL Consolidation Loans

Your monthly payment is based on annual income.

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Your payments change as your income changes.

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Payments are made for up to 10 years.

You'll pay more for your loan over time than you would under the 10-year standard plan.

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Each lender's formula for determining the monthly payment amount under this plan can vary.