Loan Repayment

Repayment of Federal Direct Stafford Loans (subsidized and unsubsidized) begins after the grace period which is six months after the student separates from school. A student is considered to be separated from school when their enrollment drops below half-time or after graduation. Repayment of Federal PLUS loans begins within sixty days of the last disbursement. There are no penalties for making payments while in school or during the grace period.  Students or parents may make payments at any time directly to their loan servicer.