When do I begin repayment on my student loans?

Modified on Thu, 21 Jul 2022 at 12:24 PM

If you're enrolled at least half-time* your loan servicer should enter you into an in-school deferment status. During this time, no payment is required and subsidized loans remain in an interest-free status.

If you fall below half-time enrollment status, you'll begin repayment on your loans. This begins approximately 6 months after you've ceased to be half-time. At any time, you have the option to make quarterly interest payments on any unsubsidized loans you might have borrowed. 


Half-time enrollment is: 

  • at least 6 credits per semester at the undergraduate level 
  • 3 credits per semester for most graduate programs 

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