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根据扩展计划，您将在不超过25年的时间内支付固定的年度或毕业还款金额。如果您是FFEL借款人，则必须拥有超过30,000美元的出色FFEL计划贷款。如果您是直接贷款借款人，则必须拥有超过30,000美元的未偿还直接贷款。

例如，这意味着，如果您有35,000美元的未偿还FFEL计划贷款和10,000美元的未直接贷款，则可以为您的FFEL计划贷款选择扩展的还款计划，但不能为您的直接贷款选择。您的固定每月付款低于标准计划下的付款，但是由于较长的还款期内积累的利息，您最终将为您的贷款支付更多费用。

This is a good plan if you will need to make smaller monthly payments. Because the repayment period will be 25 years, your monthly payments will be less than with the standard plan. However, you may pay more in interest because you’re taking longer to repay the loans. Remember that the longer your loans are in repayment, the more interest you will pay.

To calculate your estimated loan payments, go tohttps://studentloans.gov/mydirectloan/mobile/repayment/repaymentestimator.action。

With this plan, your payments start out low and increase every two years. The length of your repayment period will be up to ten years. If you expect your income to increase steadily over time, this plan may be right for you.

您的每月付款永远不会少于付款之间的利息金额。尽管您的每月付款将逐渐增加，但根据本计划的单一付款将比其他任何付款高三倍以上。

To calculate your estimated loan payments, go tohttps://studentloans.gov/mydirectloan/mobile/repayment/repaymentestimator.action。

2009年7月1日生效

Income Based Repayment is a new repayment plan for the major types of federal loans made to students. Under IBR, the required monthly payment is capped at an amount that is intended to be affordable based on income and family size.

You are eligible for IBR if the monthly repayment amount under IBR will be less than the monthly amount calculated under a 10-year standard repayment plan. If you repay under the IBR plan for 25 years and meet other requirements you may have any remaining balance of your loan(s) cancelled.

此外，如果您从事公共服务工作并通过IBR降低了贷款付款，则可以取消十年后的余额。有关IBR的更多重要信息IBR计划信息.

(Not available for Parent PLUS Loans)

这个计划让你灵活地满足your Direct Loan obligations without causing undue financial hardship. Each year, your monthly payments will be calculated on the basis of your adjusted gross income (AGI, plus your spouse's income if you're married), family size, and the total amount of your Direct Loans. Under the ICR plan you will pay each month the lesser of:

1. 如果您在12年内偿还贷款的金额乘以收入百分比，该收入百分比因您的年收入而异
2. 20% of your monthly discretionary income*.

如果您的付款不够大，无法支付您贷款积累的利息，则无偿金额将每年大写一次。但是，进入还款时您欠下的原始金额的10％将不会超过10％。利息将继续积累，但不再资本化。

The maximum repayment period is 25 years. If you haven't fully repaid your loans after 25 years (time spent in deferment or forbearance does not count) under this plan, the unpaid portion will be discharged. You may, however, have to pay taxes on the amount that is discharged.

Under this plan the required monthly payment will be based on your income during any period when you have a partial financial hardship. Your monthly payment may be adjusted annually. The maximum repayment period under this plan may exceed 10 years. If you meet certain requirements over a specified period of time, you may qualify for cancellation of any outstanding balance of your loans.

该计划通常是根据您的收入的还款计划的每月最低支付。您的付款金额可能会根据您的收入和家庭规模增加或减少。要获得您的薪水资格，您必须有部分财务困难。如果您需要按您的合格的联邦学生贷款付款，那么根据您赚取的10年标准还款计划，您将有部分财务困难。一旦您获得的薪水有资格，即使您不再有部分财务困难，也可能会继续根据计划付款。为此，您合格的学生贷款包括直接贷款以及某些类型的联邦家庭教育贷款（FFEL）计划贷款。尽管您的FFELP贷款不能按照您的收入偿还，但在确定您是否有部分财务困难时计算以下类型：

• Subsidized and Unsubsidized Federal Stafford Loans
• Federal PLUS Loans made to graduate or professional students
• Federal Consolidation Loans that did not repay any PLUS loans for parents

截至2007年10月1日，您还必须是新的借款人，并且必须在2011年10月1日或之后收到直接贷款的支出。截至2007年10月1日，FFE贷款，或在2007年10月1日或之后收到新贷款时，直接贷款或FFE贷款的未偿余额。

通常，您的酌处收入中有10％。如果您要根据该计划偿还的所有贷款，您将有20年的时间偿还本科学习。如果收到您要偿还的贷款，您将有25年的时间进行研究生或专业学习。

The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer. Qualifying employment for the PSLF Program is not about the specific job that you do for your employer. Rather, it is about who your employer is. Employment with the following types of organizations qualifies for PSLF:

• 任何级别的政府组织（联邦，州，地方或部落）
• Not-for-profit organizations that are tax-exempt under Section 501(c)(3) of the Internal Revenue Code
• Other types of not-for-profit organizations that provide certain types of qualifying public services

在全职Americorps或和平队的职位中任职也算作PSLF计划的合格工作。

以下类型的雇主没有资格获得PSLF：

• 工人工会
• Partisan political organizations
• For-profit organizations
• Non-profit organizations that are not tax-exempt under Section 501(c)(3) of the Internal Revenue Code and that do not provide a qualifying service