user: I want to be ready for school so I need financial aid information[NEWLINE]agent: We have checklists with the steps you can take to help your chances of getting into and being able to afford the school of your choice.[NEWLINE]agent: Did you want information on helping you with time management for school?[NEWLINE]user: no, just financial aid stuff[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: do you have one of those checklists for my parents so they can prepare for the cost too?[NEWLINE]agent: Yes there is a checklist that helps parents prepare as their child gets into college[NEWLINE]user: I get it, but isn't there a better plan than the standard payment plan, one that allows me to make lower payments for longer?[NEWLINE]agent: then the Extended Payment Plan may be right for you.[NEWLINE][BOUNDARY][NEWLINE]user: If I want to be chosen for the Extended Repayment Plan and I am a Direct Loan borrower, what should I consider?[NEWLINE]agent: note that you must have had no outstanding balance on a Direct Loan as of October 7, 1998, or on the date you obtained a Direct Loan after October 7, 1998, and you must have more than $ 30,000 in outstanding direct loans[NEWLINE][BOUNDARY][NEWLINE]user: how are the monthly payments?