Monthly payments credited to principal and interest
Lowest overall interest cost of the various repayment options
This plan is advantageous for the borrower that is confident with the payment they currently make, and wants to pay off the loan as quickly as possible.
Extended Payment Plan:
Fixed monthly payment for duration of loan
Extended terms*
Monthly payments credited to principal and interest
Lowers monthly payment up to 58%*
This plan is intended for the borrower who would like to pay a smaller payment, in order to pay off higher interest debt, improve their debt to income, or start investing the additional disposable monthly income into a higher interest paying product (Mutual Fund, etc).
2 Year Graduated Plan
Fixed monthly payment for 2 years (interest only), increasing payment in third year.
Lowers monthly payment up to 58%*
This plan provides the smallest possible payment (interest only) for the first two years of repayment on their consolidation loan. This is optimal for the professional that is beginning a career, or an individual that foresees a salary increase in the future.
This plan allows the borrower to make only interest payments for 2 years, and add on principle payments thereafter, increasing their payment in the third year.
At A Glance 
Estimated 
Level Payment Plan: