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federal direct loans


The grace period begins when the borrower ceases to be enrolled at least half-time and extends for six months.


Repayment begins after the grace period is completed. The standard repayment term for Direct loans is ten years, but the repayment term can be extended depending on the total outstanding principal balance. Contact your loan servicer directly for details. You also have the option to consolidate your Stafford loans. For more information on this, visit our page on loan consolidation.


You will be billed by your lender or billing service. It is important to keep your billing address and contact information up to date with your lender. Contact your lender with specific questions about billing cycles, methods of payment, or payment amount.