Office of Scholarships and Financial Aid
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Federal Direct Loan Repayment Options


There has been an increased interest in the different student repayment plans due to the recent strategies to help reduce student debt. There are various web sites on this subject, but the U.S. Department of Education is the best source for information to any questions you may have about the different repayment plans.

Income-Based Repayment (IBR) plan

Given the current interest in the Income-Based Repayment (IBR) Plan, many students have questions about the plan and how it works. The U.S. Department of Education IBR web site is designed to explain the IBR repayment plan.
What is Income-Based Repayment?
What federal student loans are eligible to be repaid under an IBR plan?
Who is eligible for IBR?
What are the benefits of IBR?
Are there any disadvantages to repaying under IBR?
How is the IBR amount determined?
Are there examples of borrowers who are eligible for IBR and borrowers who are not?
How do borrowers apply for IBR?
Income-Based Repayment Program Questions and Answers (Q&As)

Additional Loan Repayment Plans

Additional Repayment Plans: For a list and explanations of other repayment plans, see the U.S. Department of Education web site for Repayment Plans and Calculators. This site can help you determine the best option for your circumstances.
This is a current list of additional repayment plans
  • Standard Repayment
  • Extended Repayment
  • Graduated Repayment
  • Income Contingent Repayment (ICR) (Direct Loans Only)
  • Income-Sensitive Repayment Plan (FFELSM Loans only)
  • Office of Scholarships and Financial Aid, P.O. Box 210066, Tucson, AZ 85721
  • Phone: 520.621.1858
  • Fax: 520.621.9473