Graduated Repayment

Payments are lower at the beginning of repayment and step up at specified periods and in specified amounts over the term of the loan.

  1. Payment
    1. Gradually increases over time
    2. Must cover interest due
  2. 10-year term
Graduated Repayment Table
Loan
Amount
Beginning
Monthly Payment
Ending
Monthly Payment
Total Paid*
(Loan + Interest)
$10,000 $56 $135 $14,335
$50,000 $281 $677 $71,676

*A subsidized Stafford loan repaid at 6.80% interest, assuming the standard repayment plan of 10 years with the first two years being interest only.