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Here are some repayment options that might help.

INCOME-BASED REPAYMENT — Repay loans based on a specific payment amount calculated annually using your Adjusted Gross Income (AGI) and family size. After 25 years of these payments any balance remaining may be eligible for loan forgiveness (certain other requirements must also be met).

INCOME-SENSATIVE REPAYMENT — Can lower payments based on the borrowers income, but will never drop below monthly interest accrual.

EXTENDED REPAYMENT — Requires a principal balance totaling at least $30,000. A borrower's repayment period can be extended up to 25 years and may be set up as either standard or graduated repayment.

Click here for more information about Loan Repayment.

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Emma B. Lommasson Center
Room 236
The University of Montana
Missoula, MT 59812