A graduatedpayment scheme allows lower instalment payments at the beginning of the loan but this will gradually increase over time.
渐进式的付款计划在贷款初期允许较低的分期付款，但是则将在过后逐渐增加。
2
According to The Boston Globe, students who earned their bachelor's in 2012 have an average monthly loan payment of $312, which is one-third more than those who graduated in 2004.