The MGRS allows for six months of payments at 50% of the regular monthly payment, six months of payments at 75% of the regular monthly payment and one year of interest only payments. There is no application for this payment plan. To apply for the MGRS, we need your request in writing.

The EasyPay 2 Step payment plan allows for two years of interest-only payments followed by payments of interest plus principal for the balance of the loan term. To apply for the EasyPay 2 Step plan, fax or mail your request for this payment plan option.

The EasyPay 3 Step payment plan allows for two years of interest-only payments, followed by three years of interest and partial principal payments, followed by payments of interest plus principal for the balance of the loan term. To apply for the EasyPay 3 Step plan, fax or mail your request for this payment plan option.

Access Group, Inc., Loan Servicing
P.O. Box 24328
Louisville, KY 40224-0328
Fax: 1-502-329-7077

An income-sensitive payment plan is based on 4% of your gross income or the monthly interest which accrues on your loan, whichever is greater. To apply for this payment plan, you must submit an application form along with a copy of your most recent pay stub or a letter from your employer stating your current position and monthly income. If approved, this payment plan will be in effect for 12 months. Please note that there is a five-year maximum for this payment plan.

Download income-sensitive application

You can also elect the EasyPay 2 Step or EasyPay 3 Step payment plan after you have consolidated your loans.