Which repayment plan allows you to start with payments as low as interest-only?

The repayment plan that allows for payments to start as low as interest-only is the Income-Driven repayment plan. This plan is designed to be more flexible and adjusts your monthly payment based on your income and family size. With some variants of Income-Driven repayment plans, borrowers can even start at a payment level that only covers the interest accrued, particularly when their financial situation requires a lower initial payment to avoid financial hardship.

In contrast, the Standard repayment plan typically requires fixed monthly payments that are calculated to pay off the loan within a set term, meaning it doesn't offer the flexibility of starting payments at just the interest amount. The Graduated repayment plan starts with lower payments that increase over time, which could lead to higher initial payments compared to an interest-only approach. The Extended repayment plan allows for a longer time frame to pay off the loan but generally involves full principal and interest payments rather than just interest at the outset. Thus, the Income-Driven repayment plan is the most suitable choice for starting payments as low as interest-only.