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Text Box:   Repayment Options Text Box: Consolidation offers four repayment plans to choose from that best fits the borrowers immediate financial situation.    For example:   Consolidation Loan Balances Repayment Terms            $10,000 - $19,999                 15 Years            $20,000 - $39,999                 20 Years            $40,000 - $59,999                 25 Years            $60,000 - above                 30 Years     1.      Standard Repayment Plan – ¨ Fixed monthly payment ¨ Up to a 10 year repayment period ¨ Higher monthly payment ¨ Least amount in interest paid because of the 10 year repayment term 2.      Extended Repayment Plan – · Fixed monthly payment · Up to a 25 year repayment period on a loan balance of $30,000+ · Monthly payment lower than the Standard Plan · More interest paid because of the 25 year extended repayment term 3.      Graduated Repayment Plan - · Monthly payments increase every two years · Repayment period may vary from 12 to 30 years · Monthly payments start very low and are usually interest only payments · More interest paid because of the longer repayment terms 4.      Income Sensitive Repayment Option · Based on the borrower's income from employment and all other sources · Income documentation is required by your lender to determine your monthly payments · Up to a 25 year repayment period · May pay more in interest     Contact Us for more information about this repayment option