user: how long are extended repayment plans[NEWLINE]agent: Payments are made for up to 25 years[NEWLINE]agent: Would you like to make lower monthly payments over a longer period of time?[NEWLINE]user: no that is too long[NEWLINE][BOUNDARY][NEWLINE]user: what do I need to get on the extended payment plan?[NEWLINE]agent: Are you a Direct Loan borrower?[NEWLINE]user: no I haven't borrowed anything[NEWLINE][BOUNDARY][NEWLINE]user: what types of loans can we extend?[NEWLINE]agent: Loans from the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan Program are eligible for the Extended Repayment Plan[NEWLINE][BOUNDARY][NEWLINE]user: does it matter if I had a direct loan already?