n Graduated Repayment Plan: Payments begin low and progressively improve, sometimes each two years, over ten years.
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Income-Driven Repayment Plans: Payments are primarily based on your earnings and family size, together with plans like Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Revised Pay As You Earn (REPA


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Step 3: Approval and Disbursement

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