Although the standard loan repayment term is 10 years, alternative repayment options are available for students who are unable to pay back their loan(s) according to the standard terms. Information about these plans may be found here: Repayment Plans. To explore the options which would apply to your situation, you may use the Repayment Estimator logging in with your FAFSA pin.
For additional guidance regarding finances and repayment the following half hour counseling sessions are very helpful:
HELP WITH LOAN DISPUTES
Should you need help with a federal loan issue that you are not able to resolve with your loan servicer, you are welcome to contact the Federal Student Aid Ombudsman Group. They are an informal, neutral and confidential group who can help you resolve your loan issues.