Direct Stafford Loan Repayment for subsidised loans begins six (6) months following graduation OR when the student ceases to be enrolled at least half-time. Unsubsidised loans go into immediate repayment, although interest and principle can be deferred until six (6) months after graduation OR cessation of at least half-time enrollment.

PLUS and GradPLUS Loans Repayment begins sixty (60) days after the loan is fully disbursed within an academic year. Interest accrual begins immediately after the first disbursal. Interest and principle can be deferred until six (6) months after graduation OR cessation of at least half-time enrollment. 

For detailed information regarding repayment, deferments, forbearance, forgiveness programmes and other frequently asked questions, please visit the Federal Loans website.