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Our Best Answer When do I have to start repaying my loans?

Generally, for educational student loans, repayment begins within six months from the student graduating or falling below half time enrollment. For Federal PLUS loans, repayment begins within 60 days of the full disbursement of the loan amount. However, deferral of repayment until six months after the student graduates or drops below half-time enrollment may be available. For more information about your Federal loans, please visit

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