user: Hi there. I would like to know when a repayment plan can start.[NEWLINE]agent: The repayment plans starts with a lower payment that increase every two years and this can goes for 10 to 30 years.[NEWLINE]agent: Do you have a low income that you think and it will be a problem for the repayment?[NEWLINE]user: NO, not really, my income is not so low, but I need to have this in consideration.[NEWLINE][BOUNDARY][NEWLINE]user: Great, thank you. But what can you tell me about the payments that I need to do every month?[NEWLINE]agent: Well, if you have a consolidation loan the monthly payments start out low and get increased every two years.[NEWLINE][BOUNDARY][NEWLINE]user: I see, that sounds good. But this goes with the federal loans, right?[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?