Changing your payment plan can help you better manage your budget. Aspire Resources Inc. can help you decide which plan is best for your situation. Contact Aspire for assistance.

Use these helpful charts to see which payment plans you are eligible for based on the type of loan you have. Select a link to learn more about a plan.

Direct Loans

Payment Plans
Direct Loan Type	Standard or Level	Graduated	Extended	Income Based	Income Contingent	Pay As You Earn
Direct Subsidized	X	X	X	X	X	X
Direct Unsubsidized	X	X	X	X	X	X
Student Direct PLUS	X	X	X	X	X	X
Parent Direct PLUS	X	X	X
Direct Consolidation	X	X	X	X	X	X
Direct PLUS Consolidation	X	X	X
Direct Consolidation with a Parent PLUS Loan	X	X	X		X*

* The consolidation loan must have first been disbursed on or after July 1, 2006.

Federal Family Education Loans (FFEL)

Payment Plans
FFEL Type	Standard or Level	Graduated	Extended	Income-Based	Income Sensitive
Subsidized Federal Stafford	X	X	X	X	X
Unsubsidized Federal Stafford	X	X	X	X	X
Student PLUS Loan or GradPLUS Loan	X	X	X	X	X
Parent PLUS Loan	X	X	X		X
Federal Consolidation	X	X	X	X	X
Federal Consolidation with a Parent PLUS Loan	X	X	X		X

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