This can be done by extending the repayment period of the loan or allowing the borrower to make payments as a percentage of their income instead of the standard principal and interest payment. (cheapscholar.org)
These issues extended repayment period for some borrowers, but it generated confusion on both ends which affected loan performance overall. (studentloans.net)
With an extended repayment plan you will extend the repayment period from ten years to up to 25 years. (debtfirms.com)