Extended Plan | Federal Student Aid

The Extended Repayment Plan allows you to repay your loans over an extended period of time.

Payments are made for up to 25 years.

Extended Plan

If you need to make lower monthly payments over a longer period of time than under plans such as the Standard Repayment Plan, then the Extended Repayment Plan may be right for you.

Eligible Federal Loans
Eligibility for the Extended Repayment Plan
Monthly Payments
Using the Repayment Estimator to Estimate Your Eligibility and Payment Amount Under the Extended Repayment Plan


Eligible Federal Loans

The following loans from the William D. Ford Federal Direct Loan (Direct Loan) Program and the Federal Family Education Loan (FFEL) Program are eligible for the Extended Repayment Plan:

  • Direct Subsidized Loans
  • Direct Unsubsidized Loans
  • Direct PLUS Loans
  • Direct Consolidation Loans
  • Subsidized Federal Stafford Loans
  • Unsubsidized Federal Stafford Loans
  • FFEL PLUS Loans
  • FFEL Consolidation Loans

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Eligibility for the Extended Repayment Plan

If you're a Direct Loan borrower, you must have had no outstanding balance on a Direct Loan as of October 7, 1998, or on the date you obtained a Direct Loan after October 7, 1998, and you must have more than $30,000 in outstanding Direct Loans.

If you're a FFEL borrower, to qualify for this plan you must have had no outstanding balance on a FFEL Program loan as of October 7, 1998, or on the date you obtained a FFEL Program loan after October 7, 1998, and you must have more than $30,000 in outstanding FFEL Program loans. 

For example, if you have $35,000 in outstanding FFEL Program loans and $10,000 in outstanding Direct Loans, you can choose the Extended Repayment Plan for your FFEL Program loans, but not for your Direct Loans.

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Monthly Payments

Under this plan, your monthly payments are

  • a fixed or graduated amount,
  • made for up to 25 years, and
  • generally lower than payments made under the Standard and Graduated Repayment Plans.

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Using the Repayment Estimator to Estimate Your Eligibility and Payment Amount Under the Extended Repayment Plan

Your loan servicer, the company that handles the billing and other services on your federal student loan, can help you choose a loan repayment plan that’s best for you. Before you contact your loan servicer to discuss repayment plans, you can use our Repayment Estimator to get an early look at what plans you may be eligible for and to receive a comparison of estimated monthly payment amounts for all federal student loan repayment plans. This comparison is important because the Extended Plan may not provide you with the lowest payment amount based on your individual circumstances. You may find that your payment will be lower under another repayment plan.

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