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When I was in college, every semester I received a check from the federal government for text books and living expenses (read: beer).

I didn’t give much thought to how I was going to pay the student loans back until the day after graduation, when a bill for ,000 landed in my mailbox.

Stafford Loans You have six months to begin repayment on Stafford loans after graduation, or after you leave school or drop below half-time enrollment.Payments made through the IBR program are eligible for loan forgiveness after 25 years and may be eligible for forgiveness after 10 years if you work in public service. This information may include links or references to third-party resources or content.The content on this page provides general consumer information. We do not endorse the third-party or guarantee the accuracy of this third-party information.You usually do not have to start repaying your loans right away.This “waiting period” after graduation and before repayment begins is known as a “grace period.” Grace periods can be extended for up to three years (in addition to the standard six months) if a borrower is serving on active duty in the Armed Forces. You can only use the grace period once per loan, so if you go back to school after your grace period ends, that loan will not be eligible for a second grace period upon graduation from the subsequent program. See the programs for military section of this site for information about other options for military service members and certain civilians affected by war or national emergencies.

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