Standard Repayment is a common repayment plan for federal student loans in the United States. Under this plan, borrowers make fixed monthly payments over a period of 10 years. This structure helps borrowers pay off their loans in a predictable manner, making it easier to budget for monthly expenses. The Standard Repayment plan is available for most types of federal student loans, including Direct Loans and Federal Family Education Loans (FFEL). While this plan may result in higher monthly payments compared to other options, it typically leads to lower overall interest costs, allowing borrowers to pay off their loans more quickly.