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When Will I be Expected to Begin Repayment of my Federal Loans?


Federal Direct Subsidized and Unsubsidized Loans borrowed during Law School have a six-month grace period, usually calculated from graduation.  At the end of the six-month grace period, these loans will go into repayment status, and you will be expected to begin repayment the following month.

Grad PLUS Loans disbursed after July 1, 2008, have an automatic six-month post enrollment deferment so repayment of those loans begins when you begin repayment of your Direct Subsidized and Unsubsidized Loans.  However, interest will accrue during the post-enrollment period, and this interest will be capitalized, i.e., added to the amount borrowed, at the end of this period. 

If you borrowed through the Federal loan program as an undergraduate, you may have used up the grace period on those loans, and you may be expected to begin repayment of those loans immediately after graduation.  If you are not in a position to begin repayment of those loans immediately, contact your loan servicer to request a deferment.