In most cases, resins are the result of a chemical reaction between epichlorohydrin and bisphenol-A. Overall, the creation of epoxy resin is part of an industry that generates over $15 billion US Dollars annually. Epoxy resins have many different uses. For example, resins that are cured through exposure to ultraviolet light are commonly used in fiber optics, optoelectronics, and dentistry. Industrial tooling applications use them to make laminates, castings, fixtures, and molds.
Under a graduated repayment plan, payments start out low and increase during the course of the repayment period. The payments usually increase every two years. For FFEL Loans and Direct Loans that entered repayment on or after July 1, 2006, the loan still must be paid over a period of 10 years.
The deferments of grace periods are in place to allow students to postpone any repayments on the federal guaranteed loan for 6 months after graduation. However, there is an exception to the grace periods and this is the federal direct plus loan for parents (FDPLP). Those parents whop get this loan are supposed to start the repayment immediately after the disbursement of the loan.