Graduated Repayment for Federal Student Loans

Graduated repayment starts with monthly payments that are barely above an interest-only repayment plan and increases the monthly payment every two years. Graduated repayment is subject to the three-times rule, so no monthly payment may be more than three times any other payment. Payments under graduated repayment must also be at least the new interest that accrues. The minimum monthly payment under graduated repayment is $25.

The repayment term under graduated repayment is based on the loan balance, according to the following chart.

Repayment Term
Loan Balance Repayment Term Number of Payments
< $7,500 10 years 120
$7,500 to $9,999 12 years 144
$10,000 to $19,999 15 years 180
$20,000 to $39,999 20 years 240
$40,000 to $59,999 25 years 300
$60,000 or more 30 years 360

This chart shows the initial monthly payment under graduated repayment for various loan amounts and repayment terms.

Initial Monthly Payment


Interest Rate
Repayment Term Loan Amount 3% 4% 5%  6%  7%  8%  9%  10%
15 years $10,000 $48.28 $50.62 $53.03 $55.51 $58.33 $66.67 $75.00 $83.33
20 years $20,000 $96.56 $101.25 $106.07 $111.02 $116.67 $133.33 $150.00 $166.67
25 years $40,000 $193.12 $202.49 $212.13 $222.04 $233.33 $266.67 $300.00 $333.33

This chart shows the final monthly payment under graduated repayment for various loan amounts and repayment terms.

Final Monthly Payment


Interest Rate
Repayment Term Loan Amount 3% 4% 5%  6%  7%  8%  9%  10%
15 years $10,000 $104.42 $116.76 $130.50 $145.81 $161.99 $162.51 $163.85 $165.85
20 years $20,000 $130.48 $151.32 $175.39 $203.17 $233.82 $239.66 $246.58 $254.41
25 years $40,000 $184.92 $224.83 $273.14 $331.57 $399.07 $413.02 $429.23 $447.36

This chart shows the total payments under graduated repayment for various loan amounts and repayment terms.

Total Payments


Interest Rate
Repayment Term Loan Amount 3% 4% 5%  6%  7%  8%  9%  10%
15 years $10,000 $12,818 $13,918 $15,109 $16,399 $17,780 $18,895 $20,021 $21,159
20 years $20,000 $23,932 $26,319 $28,948 $31,843 $35,010 $37,905 $40,822 $43,766
25 years $40,000 $56,747 $63,908 $72,057 $81,340 $91,757 $99,554 $107,509 $115,621

Disclaimer: These charts provide an estimate only. Borrowers should consult with their student loan servicers for a more precise estimate of monthly loan payments and the total amount that will be repaid based on their actual loan balances.

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Have you been employed for at least 2 years?
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* Default = 270 days late/missed payment on a federal loan and typically 90 days late/missed payment on a private loan (contact your lender for exact definition of default).

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