I've been meaning to share this New York Times article about Federal Student Loan Repayment Plans that should (emphasis on "should") make understanding repayment options easier for most borrowers.  Of course, as it is mentioned in the article, it would be better if the whole process were easier, but let's take what we can get for the moment.  There are some resources listed at the end of the article worth sharing with clients that may help better explain the repayment options available to them.