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  1. Home
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  3. Student Loans

Loan Repayment

Start by identifying your federal loan servicer.

Federal Loan repayment begins six months after the end of the last semester a student is enrolled half-time, even if the student has not yet graduated.

To make the most of your six-month grace period:

  • Review your loan record on the National Student Loan Data System.
  • Use a loan replacement calculator (such as the one at FinAid or the one at Federal Loan Servicing) to estimate your total cost with interest and fees, and your monthly repayment amount.
  • Review repayment timelines.
  • Watch for information from your lender via U.S. mail near the end of your grace period.

For more suggestions and information, visit Federal Loan Servicing.

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Fill out your FAFSA
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Penn State at the Navy Yard

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