Repayment options are the most important issue and tool to help college graduates maintain a healthy living and career growth. More and more student loan companies, like Sallie Mae (Navient) are placing strict limitations on repayment options available to the average graduate. Income driven repayment options don't account for the total amount of debt a student may have. More specifically, adult learners have to work full time and go to school which causes added costs of transportation, food, heavy debt loads, credit cards, etc. They need more time for career growth to take on large payment plans of $500 or more per month. Navient places limitations on the amount of time you may extend out Interest Only plans and Deferments. Extended payment plans help avoid default.
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