Fill Out Repayment Plan Request Online

What the Repayment Plan Request is used for

The form lets you place all of your Direct Loans on a Standard, Graduated, or Extended plan, or only the loans that are not eligible for an income-driven plan while you use a separate IDR Plan Request for the rest. Parent PLUS loans and certain older consolidation loans that repaid parent PLUS loans fall into that second group, and the form includes a table explaining which loans those are.

Section 5 of the form describes each plan. Standard uses fixed payments over up to 10 years, or 10 to 30 years for consolidation loans depending on the balance. Graduated starts lower and increases every two years, with no payment more than three times any other. Extended stretches payments over up to 25 years for borrowers who meet the eligibility conditions in the form, which include a minimum outstanding Direct Loan balance.

Who should use this form

Direct Loan borrowers who want a predictable, balance-based schedule, or who are leaving an income-driven plan. Borrowers pursuing Public Service Loan Forgiveness should note that payments under Graduated and Extended plans do not normally count for PSLF, and repayment options have shifted in recent years, so review the plans currently listed on StudentAid.gov before deciding.

If you do not choose a plan when your loans first enter repayment, your servicer places you on the Standard plan automatically, so this form is mainly for making a deliberate change.

How to fill out the Repayment Plan Request

The form has three short borrower sections:

• Section 1: your SSN, name, address, and contact details, with a box to check if anything has changed
• Section 2, Item 1: whether the plan applies to all of your Direct Loans or only those not eligible for income-driven repayment
• Section 2, Item 2: the plan you want, choosing Standard, Graduated, Extended with fixed payments, or Extended with graduated payments
• Section 3: the understandings and certifications, followed by your signature and date

How to submit it

Return the completed form to the address shown in Section 6 of your copy; if no address is printed, send it to your loan servicer. If your Direct Loans are serviced by more than one company, submit a separate request to each servicer.

Only the first three pages need to be returned; the form asks you to omit pages 4 through 7 when mailing or faxing. If you are behind on payments when you request the change, your servicer may apply a forbearance to cover the overdue amounts before the new plan starts.