Many lenders offer various graduated repayment or income contingent repayment options on federal and private loans. These options include extended repayment periods, making "interest only" payments for one or more years, and then full payments for the remainder of the loan period. Various deferment and forbearance options are also offered.

Please contact the lenders for more details on forbearance and repayment options. Many lenders also offer repayment incentives to encourage on-time payments.