user: how long are payments extended on the extended repayment plan?[NEWLINE]agent: Payments are made for up to 25 years.[NEWLINE]user: so it's more time and the payments are lower?[NEWLINE]agent: The Extended Repayment Plan may be right for you if you want lower monthly payments.[NEWLINE][BOUNDARY][NEWLINE]user: can you show me what payments will look like so I get what I need?[NEWLINE]agent: Your loan servicer can help you choose a loan repayment plan that’s right for you.[NEWLINE][BOUNDARY][NEWLINE]user: May I also ask  about the Graduated Repayment Plan. That sounds good to me. But is this apply to federal loans as well?[NEWLINE]agent: Yes, that's for the william d ford federal direct loan program.[NEWLINE]user: And all the loans programs can be consolidated?[NEWLINE]agent: Yes, every program can be consolidated.[NEWLINE]user: There are any subsidized loans?