Entering Federal Loan Repayment
Once you graduate or drop below half time (fewer than 6 credits), you’ll need to repay your federal loans.
Complete exit counseling.
If you’ve received federal loans, you must complete exit counseling on the StudentLoans.gov website:
Complete exit counseling
Consider federal loan consolidation.
Consolidating federal loans could help you manage your finances with smaller monthly payments and a fixed interest rate. Learn more about the pros and cons of consolidating your federal loans.
For more information about repayment, visit the U.S. Department of Education's Direct Loan Program website: