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Change Your Repayment Plan First, you can still change your repayment plan to: With both of these plans, you will see lower payments.

However, with the graduated plan, these payments will rise over time.

I'm a firm believer that parents should NOT be taking out loans to pay for their children's' education.Private loans typically offer lower payments and lower interest rates, however, many of these low rates are variable and could rise over time.But, for many, the much lower payment makes up for any potential rise in the future.And, unlike IBR and PAYE, borrowers don't need to meet income requirements to qualify under the plan.Borrowers who have Federal Direct Consolidation Loans are also able to qualify for PSLF (Public Service Loan Forgiveness).Borrowers paying on the ICR plan pay 20% of their discretionary income for up to 25 years.