Repay Federal Loans

Repay Federal Loans


How to begin repayment of federal student loans and when repayment is due

Federal Government Website

Information about how to begin repayment of federal student loans can be found online at by selecting "Manage Loans" and then selecting "Repayment Plans".

When Repayment is Due

You don't have to begin repaying most federal student loans until six months after you stop attending college or drop below half-time enrollment (six credit hours). This includes Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans. Repayment for any "PLUS" loans is due once your loan is fully disbursed. Visit for additional details about repaying PLUS loans.

Your loan servicer 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.

For most loans, interest will accrue during your grace period.

When the Six-Month "Grace Period" Can Change

The six month period after you stop attending college or drop below half-time enrollment status is called a "grace period." The following circumstances may change your grace period:

Assistance with Loan Repayment Questions

A-B Tech has partnered with Inceptia, a non-profit company that provides free assistance with questions about loan repayment. An Inceptia customer representative may call you during your grace period to answer any questions about loan repayment. If your loan ever becomes delinquent, a representative may contact you to help you explore repayment options and resolve issues. You can read more about Inceptia on our website.

For additional resources including information on repayment options, please visit Inceptia’s Federal Student Loan Overview website at To speak with a customer representative from Inceptia, call (855) 471-1615.


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Article ID: 236
Created On: Tue, Apr 23, 2013 at 3:06 PM
Last Updated On: Wed, Mar 4, 2020 at 12:58 PM

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