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Perkins Loan repayment does not begin until 9 months after graduation, provided the program participant was enrolled in school full-time preceding repayment.

Depending on the repayment plan selected, repayment terms stretch between 10 and 25 years.

Student loan default carries consequences that are hard to shake, so every effort should be made to avoid falling behind on repayment.

Government loan repayment allows for several strategies; each tailored to help students stay current with payments.

Other payment plans include: Student loan default is not an option under any circumstances, but failing to pay a commercial loan has far-reaching implications.

Perkins Loans are special loans issued under the William D.

Ford Federal Direct Loan umbrella, which are reserved for the neediest applicants.

Additional distinctions are made between Subsidized and Unsubsidized Direct Loans.

Interest on subsidized federal student loans is paid by the U. Government during certain periods over the life of the loan.

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