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  • How long is student loan grace period
  • Who should you contact if you have trouble making payments once you leave school?

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    What Is the Student Loan Grace Period and How It Works

    What Is the Student Loan Grace Period?

    Creating a plan to tackle your student debt is essential—especially since you have, at best, only a six-month grace period after graduation before you have to start paying back those loans.

    That grace period is not for all borrowers, however.

    What is a grace period

    Federal student loans allow a six-month window after graduation in which borrowers have time to prepare their debt repayment plans. Private student loan lenders may or may not offer a grace period.

    Key Takeaways

    • Student loan grace periods allow borrowers time to prepare to repay their loans before the first loan payment is due.
    • Eligible federal student loan borrowers can enjoy a six-month grace period following graduation from college in which to explore repayment plans and options.
    • Private student loan lenders are not required to offer grace periods, though some may choose to do so.
    • One possibility for help with student loan repayment is asking about tuition assistance or reimbursement from an employer.

    Understanding Student Loan

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