[header] How to extend payments on student loans [title] Access your lender's website and either log in to your account or search for student loan repayment plan options. [title] Read about the repayment plans available that will extend your student loan payments. [step] Typically, there are 4 options for extending payments: graduated repayment, income-sensitive repayment, extended repayment and loan consolidation. 
Graduated repayment allows you to make low payments that increase gradually over time. Income-sensitive repayment bases your student loan payments upon your income.