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Paying down my student loans
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Which of these is not an income-based repayment plan?


The only one that's not is the 10-year repayment plan.

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Which is one of the three circumstances under which you can defer your repayment?


Delayed payment is an option available to members of the military, those who've gone back to school or those suffering a financial hardship.

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Key Takeaways

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At times, student loan debt can seem overwhelming, but with the right approach, you could keep it under control. The first step is to understand just what kinds of loans you have and what your options are. Here are a few things to remember.

  • Pick a payment plan: standard, graduated and income-based are just a few of the options
  • Understand how the type of loans you have may impact your repayment, as well as the rules for delaying payments should the need arise
  • Many loans offer a “grace period” after graduating, when no payment is due
  • If you meet the requirements and need to do so, consider delaying repayment through deferment or forbearance—check out your options
  • Consider consolidation for a lower interest rate—but do your research first