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Repaying Your Loans

You repay federal student loans after you're no longer attending SLCC or if you're no longer enrolled in at least 6 credit hours. Federal loans have a grace period after graduation before you have to start repaying the loan.


When do I have to start repaying my student loans?

  • Perkins Loan: 9-month grace period before repayment begins
  • Stafford Loan: 6-month grace period before repayment begins
  • Parental Loan for Undergraduate Students (PLUS): Payment begins 60 days after disbursement
  • Semester Tuition Installment Loan: $30 fee per semester. Make your first payment when you apply and other payments monthly during the semester. If you're more than 30 days late with a payment, you'll be charged interest of 1.5 percent per month (18 percent per year).
  • Emergency Book Loan: The full loan amount, plus a $10 service charge, is due by the end of the semester.

How do I repay my student loans?