Direct Subsidized and Unsubsidized Loans

---

Subsidized and Unsubsidized Federal Stafford Loans

---

All PLUS loans

Payments may be fixed or graduated.

---

Payments are made for up to 25 years.

Your monthly payments would be lower, but you'll pay more for your loan over time than under the 10-year standard plan.

If you are a:

• Direct Loan borrower, you must have more than $30,000 in outstanding Direct Loans.
• FFEL borrower, you must have more than $30,000 in outstanding FFEL Program loans.

For both programs, you must also be a "new borrower" as of Oct. 7, 1998.