Graduated Repayment Plan
E139717
The Graduated Repayment Plan is a federal student loan repayment option where payments start low and increase at set intervals, typically every two years, to help borrowers whose income is expected to rise over time.
All labels observed (1)
| Label | Occurrences |
|---|---|
| Graduated Repayment Plan canonical | 1 |
How this entity was disambiguated
This entity first appeared as the object of triple T1205049 — resolving that mention is where its identity was fixed. The disambiguator weighed these candidate entities and picked the highlighted one (or “None”, minting a new entity). This is how homonymy is resolved: the same surface form can point to different entities.
NED1
Entity disambiguation (via context triple)
gpt-5-mini-2025-08-07
Target entity: Graduated Repayment Plan Context triple: [Federal Direct Student Loan Program, hasRepaymentPlan, Graduated Repayment Plan]
-
A.
Extended Repayment Plan
The Extended Repayment Plan is a federal student loan repayment option that lowers monthly payments by stretching repayment over a longer period, typically up to 25 years, for borrowers with higher loan balances.
-
B.
Guaranteed Rate
Guaranteed Rate is a U.S.-based mortgage lending company known for providing home loans and related financial services nationwide.
-
C.
Direct Consolidation Loan
A Direct Consolidation Loan is a U.S. federal student loan that combines multiple eligible federal education loans into a single new loan with one servicer and a fixed interest rate.
-
D.
loanDepot
loanDepot is a U.S.-based nonbank mortgage lender that provides home purchase and refinancing loans through both online and retail channels.
-
E.
Federal Direct Student Loan Program
The Federal Direct Student Loan Program is a U.S. government initiative that provides low-interest loans directly to students and parents to help pay for higher education.
- F. None of above. chosen
- G. Unsure - the case is ambiguous/there is not enough information to decide.
NED2
Entity disambiguation (via description)
gpt-5-mini-2025-08-07
Target entity: Graduated Repayment Plan Target entity description: The Graduated Repayment Plan is a federal student loan repayment option where payments start low and increase at set intervals, typically every two years, to help borrowers whose income is expected to rise over time.
-
A.
Extended Repayment Plan
The Extended Repayment Plan is a federal student loan repayment option that lowers monthly payments by stretching repayment over a longer period, typically up to 25 years, for borrowers with higher loan balances.
-
B.
Guaranteed Rate
Guaranteed Rate is a U.S.-based mortgage lending company known for providing home loans and related financial services nationwide.
-
C.
Direct Consolidation Loan
A Direct Consolidation Loan is a U.S. federal student loan that combines multiple eligible federal education loans into a single new loan with one servicer and a fixed interest rate.
-
D.
loanDepot
loanDepot is a U.S.-based nonbank mortgage lender that provides home purchase and refinancing loans through both online and retail channels.
-
E.
Federal Direct Student Loan Program
The Federal Direct Student Loan Program is a U.S. government initiative that provides low-interest loans directly to students and parents to help pay for higher education.
- F. None of above. chosen
Statements (50)
| Predicate | Object |
|---|---|
| instanceOf |
federal student loan repayment plan
ⓘ
loan repayment option ⓘ |
| administeredThrough | federal student loan servicers ⓘ |
| appliesTo |
federal Direct Loans
ⓘ
federal FFEL Loans ⓘ
linked to:
Federal Family Education Loan Program
non-defaulted federal student loans only ⓘ |
| availableIn |
United States
ⓘ
linked to:
United States of America
|
| canBeChangedTo |
Extended Repayment Plan
ⓘ
Standard Repayment Plan ⓘ income-driven repayment plan ⓘ |
| comparedWith |
Extended Repayment Plan
ⓘ
Income-Based Repayment ⓘ
linked to:
Income-Contingent Repayment Plan (ICR)
Pay As You Earn ⓘ Revised Pay As You Earn ⓘ Saving on a Valuable Education (SAVE) Plan ⓘ Standard Repayment Plan ⓘ |
| defaultStatus | not the default plan for most new borrowers ⓘ |
| documentationRequired | no income documentation required to calculate payments ⓘ |
| eligibilityIncludes |
Direct Consolidation Loans
ⓘ
linked to:
Direct Consolidation Loan
Direct PLUS Loans for graduate or professional students ⓘ
linked to:
Graduate PLUS Loan
Direct Subsidized Loans ⓘ
linked to:
Subsidized Federal Stafford Loan
Direct Unsubsidized Loans ⓘ
linked to:
Direct Unsubsidized Loan
FFEL Consolidation Loans ⓘ
linked to:
Federal Family Education Loan Program
FFEL PLUS Loans ⓘ
linked to:
Federal Family Education Loan Program
FFEL Subsidized Stafford Loans ⓘ
linked to:
Subsidized Federal Stafford Loan
FFEL Unsubsidized Stafford Loans ⓘ
linked to:
Direct Unsubsidized Loan
|
| finalPaymentLevel | higher than initial payments ⓘ |
| goal | make early payments more affordable ⓘ |
| governedBy | federal student aid regulations ⓘ |
| initialPaymentLevel | lower than Standard Repayment Plan payments ⓘ |
| interestEffect | may result in more interest paid over life of loan than Standard Repayment Plan ⓘ |
| isAvailableFor |
existing federal student loan borrowers
ⓘ
new federal student loan borrowers ⓘ |
| isNot | income-driven repayment plan ⓘ |
| languageUsedBy |
Federal Student Aid (studentaid.gov)
ⓘ
linked to:
Federal Student Aid
|
| mayLeadTo | higher monthly payments later in repayment term ⓘ |
| minimumPaymentConstraint | at least interest accruing on the loan ⓘ |
| offeredBy |
U.S. Department of Education
ⓘ
linked to:
United States Department of Education
|
| paymentBasedOn | repayment schedule ⓘ |
| paymentCalculationBasis | loan balance, interest rate, and repayment term ⓘ |
| paymentChangePattern | scheduled increases at fixed intervals ⓘ |
| paymentIncreaseInterval | typically every two years ⓘ |
| paymentNotBasedOn | borrower’s current income ⓘ |
| paymentStructure | payments start low and increase over time ⓘ |
| requires | loans not in default ⓘ |
| requiresAction | borrower must select or be placed on plan ⓘ |
| risk | payment shock when payments increase ⓘ |
| targetBorrowers | borrowers whose income is expected to rise over time ⓘ |
| termLength |
up to 10 years for most borrowers
ⓘ
up to 30 years for some consolidation loans ⓘ |
How these facts were elicited
The pipeline generated the facts above by prompting gpt-5.1 with this entity's name + description and the instruction below.
Instruction
You are a knowledge base construction expert. Given a subject entity and a description of it, return factual statements that you know for the subject as a JSON list of dictionaries(triples), where keys must be "subject", "predicate" and "object". The number of facts may be very high, between 25 to 50 or more, for very popular subjects. For less popular subjects, the number of facts can be very low, like 5 or 10. # Requirements - If you don't know the subject at all, return an empty list. - If the subject is not a named entity, return an empty list. - Include at least one triple where predicate is "instanceOf". - Do not get too wordy. - Separate several objects into multiple triples with one object.
Input
Subject: Graduated Repayment Plan Description of subject: The Graduated Repayment Plan is a federal student loan repayment option where payments start low and increase at set intervals, typically every two years, to help borrowers whose income is expected to rise over time.
Referenced by (1)
Full triples — surface form annotated when it differs from this entity's canonical label.