Financial intermediaries may offer income-contingent repayments, as well as improved terms such as longer grace periods, longer 'repayment holidays' or later maturity, to take into account specific needs of graduates, such as those who subsequently pursue doctoral studies, or to allow graduates more time in which to find employment.
Féadfaidh idirghabhálaithe airgeadais aisíocaíochtaí a bheadh ag brath ar ioncam a thairiscint, chomh maith le téarmaí níos fearr amhail tréimhsí cairde níos faide, "saoire ó aisíocaíochtaí" níos faide nó aibíocht níos déanaí, chun riachtanais shainiúla na gcéimithe a chur i gcuntas, amhail iad siúd a thugann faoi staidéir dochtúireachta, nó níos mó ama a cheadú do chéimithe fostaíocht a fháil.