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You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action.Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.Paying a little extra each month can reduce the interest you pay and reduce your total cost of your loan over time.If you want to ensure that your loan is paid off faster, tell your loan servicer that the extra you pay is not intended to be put toward future payments.Find out when repayment starts, how to make your payment, repayment plan options, what to do if you have trouble making payments, and more! Your loan servicer or lender must provide you with a loan repayment schedule that states when your first payment is due, the number and frequency of payments, and the amount of each payment. Loans can’t be canceled because you didn’t get the education or job you expected, and they can’t be canceled because you didn’t complete your education (unless you couldn’t complete your education because your school closed).

The grace period is a set period of time after you graduate, leave school, or drop below half-time enrollment before you must begin repayment on your loan. Department of Education (ED) uses several loan servicers to handle the billing and other services on loans for the William D.When it comes to repaying your federal student loan, there’s a lot to consider. You don’t have to begin repaying most federal student loans until after you leave college or drop below half-time enrollment.Understanding the details of repayment can save you time and money. However, PLUS loans enter repayment once your loan is fully disbursed (paid out).Top Contact your loan servicer as soon as possible.

You may be able to change your repayment plan to one that will allow you to have a longer repayment period or to one that is based on your income.

What happens if I don’t make my student loan payment? REMEMBER: You must repay a student loan even if your financial circumstances become difficult.