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:

• Create an account at Federal Loan Servicing.
• 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.