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.

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

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

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

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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.