Keep the 25 year level student loan repayment plan.

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We all agree that the number of student loan repayment options need to be reduced and simplified.  However, I strongly encourage keeping the 25 year level repayment option.  This option is one of the best options for financial planning purposes, i.e. extending the loans to 25 years then making prepayments.  This allows new grads to save money and have budget flexibility.

Although new grads would still be able to accomplish savings and flexibility with the proposed changes to the income driven repayment plan, the lack of understanding of how they work and difficulty in dealing with loan servicers adds a layer of complexity that is not needed.  Keeping the 25 year level repayment plan as an option makes things simpler while allowing new grads to save and have budget flexibility.



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