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There is a lot to consider when paying off student loans, and it pays to know your options.Once that’s completed, many other options open up to you, depending on your specific situation.Whether you are just starting college, or you are getting ready to start paying on your student loans, it’s important to understand what’s involved with repaying your student loans – the sooner you understand the basics of repayment, the better.Returning to school: If you return to school (more than half-time) before the end of your grace period, you will receive the full six-month grace period when you graduate or drop below half-time enrollment Consolidating your loans: If you choose to consolidate your loans (more on that below), then your grace period is immediately forfeited.You will begin the repayment of your new loan after it is disbursed.We will go into depth on the subject of Income-Driven Repayment Plans (including a student-loan calculator that will help you compare them) and discuss how and when to consolidate or refinance your loans.

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