<p>Standard term is 10 years. Finaid.org has excellent and up to date information on various types of financial aid
<a href="http://www.finaid.org/loans/studentloan.phtml%5B/url%5D">http://www.finaid.org/loans/studentloan.phtml</a>
<a href="http://www.finaid.org/%5B/url%5D">http://www.finaid.org/</a></p>