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1 [1] (March 12, 2026)

handle is hein.crs/govetup0001 and id is 1 raw text is: Fixed repayment plans * Standard 10-year repayment plan * Extended repayment plan * Graduated repayment plan Alternative repayment plans Fixed repayment plans * Standard 10-year repayment plan * Extended repayment plan * Graduated repayment plan Alternative repayment plans IDR plans * IBR plans * ICR plans SRAP Fixed repayment plans * Standard 10-year repayment plan * Extended repayment plan * Graduated repayment plan Alternative repayment plans IDR plans * IBR plans * ICR plans* Fixed repayment plans Standard 10year ri epayment plan OExtende repayment plan 0Graduate d repayme~nt plan ®Tiered standard repayment plan IID~plns RAP Fixed repayment plans Tiered standard repayment plan IDR plans ( J RAP E IDR plans IBRplans ® )RAP Newly enacted repayment plan in RL 119-21 Not available IBR - Income-based repayment ICR - Income-contingent repayment IDR - Income-driven repayment RAP- Repayment Assistance Plan *Consists of the income-contingent repayment, Pay As You Earn, and Saving on a Valuable Education plans Before July 1, 2028, borrowers enrolled in an ICR plan must select another plan available to borrowers of loans made before July 1, 2026. If they do not make a selection by July 1, 2028, ED will enroll: * all RAP-eligible loans 4 RAP * all non-RAP-eligible loans IBR Tiered standard repayment plan QRAP * Fixed monthly payments so that * Monthly payments equal to one-twelfth borrower repays loan over a specified of 1% to 10% of total income repayment term Interest not covered by monthly Repayment term based on outstanding payment is not charged to borrower principal balance (10to 25 years) Monthly principal reduction of up to $50 (matching principal payment) Maximum repayment period of 30 years For additional information on changesto repayment plans made by P.L. 119-21, see CRS Report R48727,Amendments to the Higher Education Act Made by P.L. 119-21, the FY2025 Budget Reconciliation Law. Information as of March 12, 2026. Prepared by Rita Zota, Analyst in Education Policy, and Mari Lee, Visual Information Specialist. JCRS JULY 4 2025 JULY 1 2026 _W JULY 1 2028