This plan requires you to pay a

This plan requires you to pay a lower monthly payment, but extends the term of your loan to a maximum of 25 years. You can select a fixed or graduated payment schedule. This plan requires you to pay much more interest over the life of your loan. Only those that received loans after 1998 and have more than $30,000 in outstanding Direct Loans are eligible for this plan. If you have a high loan balance and need to make lower payments over a longer period of time, this plan may be right for you.Big Boss vote