RPR
REPAYMENT PLAN REQUEST:
Standard Repayment Plan/Graduated Repayment Plan/Extended Repayment
Plan
William D. Ford Federal Direct Loan (Direct Loan) Program
OMB No. 1845-0014
Form Approved
Exp. Date 1/31/2020
WARNING: Any person who knowingly makes a false statement or misrepresentation on this form or on any accompanying
document is subject to penalties that may include fines, imprisonment, or both, under the U.S. Criminal Code and 20 U.S.C. 1097.
SECTION 1: BORROWER INFORMATION
Please enter or correct the following information.
Check this box if any of your information has changed.
SSN
Name
Address
City State
Zip Code
Telephone - Primary
Telephone - Alternate
Email (Optional)
SECTION 2: REPAYMENT PLAN REQUEST
1. Choose one of the following:
I want to select a plan for all of my Direct Loans.
I want to select a plan for only my Direct Loans that are not eligible for the Income-Based Repayment (IBR), Pay As You
Earn (PAYE), Revised Pay As You Earn (REPAYE), or Income-Contingent Repayment (ICR) plans. The following loans are not
eligible for these plans:
Direct Parent PLUS Loans: not eligible for IBR, PAYE, REPAYE, or ICR.
Direct Consolidation Loans made on or after July 1, 2006 that repaid Direct Parent PLUS Loans or Federal Parent PLUS
Loans: not eligible for IBR, PAYE, or REPAYE. These loans are eligible for ICR.
Direct Consolidation Loans made before July 1, 2006 that repaid Direct Parent PLUS Loans or Federal Parent PLUS
Loans (these are called "Direct PLUS Consolidation Loans"): not eligible for IBR, PAYE, REPAYE, or ICR.
2. Check the box for the repayment plan that you wish to select:
These plans are described in Section 5.
Standard Graduated Extended - Fixed Payments Extended - Graduated Payments
Note: If you are interested in the IBR, PAYE, REPAYE, or ICR Plan, visit StudentLoans.gov
to read or complete the application.
Visit StudentAid.gov/IDR to learn more. To compare repayment plans, visit the repayment estimator at StudentAid.gov/
repayment-estimator.
SECTION 3: BORROWER REQUEST, UNDERSTANDINGS, CERTIFICATIONS, AND AUTHORIZATION
If I am currently repaying my Direct Loans under the IBR Plan and I am requesting to change to the Graduated or Extended
Repayment Plan, I request a one-month reduced-payment forbearance in the amount of my current monthly IBR payment or
$5, whichever is greater (unless I request another amount below or I decline the forbearance) to help me move from IBR to
the new plan I requested.
I request a one-month reduced-payment forbearance in the amount of:
(must be at least $5).
I understand that: (1) If I am requesting a change from the IBR Plan to the Graduated or Extended Repayment Plan, I may
decline the one-month reduced-payment forbearance described above by contacting my loan servicer. If I decline the
forbearance, I will be placed on the Standard Repayment Plan and must make one monthly payment under that plan before I
can be placed on the Graduated or Extended Repayment Plan and (2) If I am delinquent in making payments under my
current repayment plan at the time I request to change to a different plan, my servicer may grant me a forbearance to cover
any payments that are overdue or would be due at the time I enter my new repayment plan. Unpaid interest that accrues
during this forbearance period may be capitalized at the end of the forbearance period.
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Borrower Name Borrower SSN
SECTION 3: BORROWER REQUEST, UNDERSTANDINGS, CERTIFICATIONS, AND AUTHORIZATION (CONTINUED)
I certify that: (1) The information I have provided on this form is true and correct and (2) I have read and understand the
terms and conditions of the repayment plan that I requested in Section 2, as explained in Section 5.
I authorize the U.S. Department of Education (and its agents or contractors) to contact me regarding my request or my
loan(s), including repayment of my loan(s), at any number that I provide on this form or any future number that I provide for
my cellular telephone or other wireless device using automated telephone dialing equipment or artificial or prerecorded
voice or text messages.
Borrower's Signature
Date
SECTION 4: INSTRUCTIONS FOR COMPLETING THE FORM
Type or print using dark ink. Enter dates as month-day-year (mm-dd-yyyy). Use only numbers. Example: January 31, 2019 =
01-31-2019. If you need help completing this form, contact your federal loan servicer. If you want to apply for a repayment
plan and your Direct Loans are serviced by different federal loan servicers, you must submit a separate repayment plan
request to each loan servicer.
Return the completed form and any required documentation to the address shown in Section 6.
SECTION 5: REPAYMENT PLAN DESCRIPTIONS
STANDARD REPAYMENT PLAN
Under this plan, you will pay a fixed amount each month
over the course of your maximum repayment period in an
amount that will ensure that your loan is fully repaid by the
end of your repayment period. This plan may result in lower
total interest paid when compared to other plans. For Direct
Subsidized Loans, Direct Unsubsidized Loans, and Direct
PLUS Loans, the maximum repayment period is 10 years. For
Direct Consolidation Loans, the maximum repayment
period ranges from 10 to 30 years, depending on loan debt.
GRADUATED REPAYMENT PLAN
Under this plan, your payments start out low and then
increase every two years. No single payment under this plan
will be more than three times greater than any other
payment. Your scheduled payment amount will ensure that
your loan is fully repaid by the end of your repayment
period. Generally, the amount you will repay over the life of
your loan will be higher under this plan than under the
Standard Repayment Plan. This plan may be beneficial if
your income is low now but is likely to steadily increase. For
Direct Subsidized Loans, Direct Unsubsidized Loans, and
Direct PLUS Loans, the maximum repayment period is 10
years. For Direct Consolidation Loans, the maximum
repayment period ranges from 10 to 30 years, depending on
loan debt.
EXTENDED REPAYMENT PLAN
You may choose this plan only if (1) you had no
outstanding balance on a Direct Loan on October 7, 1998
or on the date you obtained a Direct Loan after that date,
and (2) you owe more than $30,000 in outstanding Direct
Loans.
Under this plan, you have the option of making either
fixed or graduated payments over your maximum
repayment period. Your scheduled payment amount will
ensure that your loan is fully repaid by the end of your
repayment period. If you choose graduated payments,
your payments start out low and then increase every two
years.
Under either the fixed or graduated monthly payment
option, the Extended Repayment Plan will give you a
lower monthly payment on your non-consolidation loans
than the Standard or Graduated Repayment Plans.
However, because of the longer repayment period, you
will pay more interest over the life of your loans.
For all loan types, the maximum repayment period is 25
years.
SECTION 6: WHERE TO SEND THE COMPLETED FORM
Return the completed form and any required documentation to:
(If no address is shown, return to your loan servicer.)
If you need help completing this form call:
(If no telephone number is shown, call your loan servicer.)
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SECTION 7: IMPORTANT NOTICES
Privacy Act Notice. The Privacy Act of 1974 (5 U.S.C.
552a) requires that the following notice be provided to you:
The authorities for collecting the requested information
from and about you is §451 et seq. of the Higher Education
Act of 1965, as amended (20 U.S.C. 1087a et seq.) and the
authorities for collecting and using your Social Security
Number (SSN) are §§428B(f) and 484(a)(4) of the HEA (20
U.S.C. 1078-2(f) and 1091(a)(4)) and 31 U.S.C. 7701(b).
Participating in the William D. Ford Federal Direct Loan
(Direct Loan) Program is voluntary, but you must provide
the requested information, including your SSN, to
participate.
The principal purposes for collecting the information on
this form, including your SSN, are to verify your identity, to
determine your eligibility to receive a loan or a benefit on a
loan (such as a deferment, forbearance, discharge, or
forgiveness) under the Direct Loan Program, to permit the
servicing of your loans, and, if it becomes necessary, to
locate you and to collect and report on your loans if your
loans become delinquent or default. We also use your SSN
as an account identifier and to permit you to access your
account information electronically.
The information in your file may be disclosed, on a
case-by-case basis or under a computer matching program,
to third parties as authorized under routine uses in the
appropriate systems of records notices. The routine uses of
this information include, but are not limited to, its disclosure
to federal, state, or local agencies, to private parties such as
relatives, present and former employers, business and
personal associates, to consumer reporting agencies, to
financial and educational institutions, and to guaranty
agencies in order to verify your identity, to determine your
eligibility to receive a loan or a benefit on a loan, to permit
the servicing or collection of your loans, to enforce the
terms of the loans, to investigate possible fraud and to verify
compliance with federal student financial aid program
regulations, or to locate you if you become delinquent in
your loan payments or if you default. To provide default rate
calculations, disclosures may be made to guaranty agencies,
to financial and educational institutions, or to state
agencies. To provide financial aid history information,
disclosures may be made to educational institutions.
To assist program administrators with tracking refunds
and cancellations, disclosures may be made to guaranty
agencies, to financial and educational institutions, or to
federal or state agencies. To provide a standardized method
for educational institutions to efficiently submit student
enrollment statuses, disclosures may be made to guaranty
agencies or to financial and educational institutions. To
counsel you in repayment efforts, disclosures may be made
to guaranty agencies, to financial and educational
institutions, or to federal, state, or local agencies.
In the event of litigation, we may send records to the
Department of Justice, a court, adjudicative body, counsel,
party, or witness if the disclosure is relevant and necessary
to the litigation. If this information, either alone or with
other information, indicates a potential violation of law, we
may send it to the appropriate authority for action. We may
send information to members of Congress if you ask them
to help you with federal student aid questions. In
circumstances involving employment complaints,
grievances, or disciplinary actions, we may disclose relevant
records to adjudicate or investigate the issues. If provided
for by a collective bargaining agreement, we may disclose
records to a labor organization recognized under 5 U.S.C.
Chapter 71. Disclosures may be made to our contractors for
the purpose of performing any programmatic function that
requires disclosure of records. Before making any such
disclosure, we will require the contractor to maintain Privacy
Act safeguards. Disclosures may also be made to qualified
researchers under Privacy Act safeguards.
Paperwork Reduction Notice. According to the
Paperwork Reduction Act of 1995, no persons are required
to respond to a collection of information unless such
collection displays a valid OMB control number. The valid
OMB control number for this information collection is
1845-0014. Public reporting burden for this collection of
information is estimated to average 5 minutes per response,
including time for reviewing instructions, searching existing
data sources, gathering and maintaining the data needed,
and completing and reviewing the collection of information.
The obligation to respond to this collection is required to
obtain a benefit in accordance with 34 CFR 685.208. If you
have comments or concerns regarding the status of your
individual submission of this form, please contact your loan
servicer directly (see Section 6).
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