user: How long does the extended repayment plan let me pay back my loan?[NEWLINE]agent: You would be able to make payments up to 25 years.[NEWLINE]user: I really need to make lower payments over a longer period of time than the Standard Repayment Plan, is this possible?[NEWLINE]agent: Yes, you can with the Extended Repayment Plan and it sounds right for you.[NEWLINE][BOUNDARY][NEWLINE]user: How much do I need to have in FFEL Program Loans to qualify?[NEWLINE]agent: You would need to have $30,000 in outstanding FFEL Program Loans; but Direct Loans are not eligible.[NEWLINE][BOUNDARY][NEWLINE]user: What Federal loans are eligible for the Extended Repayment Plan?[NEWLINE]agent: The William D. Ford Federal Direct Loan and the Federal Family Education Loan are eligible for the Extended Repayment Plan.[NEWLINE][BOUNDARY][NEWLINE]user: How can I reduce the cost of college?[NEWLINE]agent: well you can consider living with your parents or other family.[NEWLINE]user: If my school is able to take a test outside of classes and I don't take a class, what consequences can I have?