Under a Graduated Repayment Plan, monthly payments will start out at a lower amount and generally will increase every two years. Payments are made for up to ten years (not including periods of deferment or forbearance).


Your payment will be at least equal to the amount of interest that accrues between your payments, but it will never be more than 1.5 times the Standard Repayment Plan monthly payment and no one payment will be more than three times greater than any other payment on the plan.