Plans›Standard

Fixed amortization · no forgiveness · auto-assigned default

10-Year Standard Repayment

34 CFR §685.208(a)·2026-04-22
Formula

Fully amortizing fixed payment over 10 years at the loan rate.

Forgiveness term
10 years
PSLF-compatible

Best for

  • High-income borrowers expecting to pay loans in full.
  • Anyone whose IDR payment would be ≥ Standard payment anyway.

Not for

  • Most borrowers exiting SAVE — auto-assignment to Standard is the do-nothing penalty path.

Run your numbers through the comparator to see Standard next to all alternatives.

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