After taking an education loan, in how many months do I have to start repaying it?

It depends on your loan type:

- Federal student loans: Repayment usually starts 6 months after you graduate, leave school, or drop below half-time enrollment. Interest may accrue during this grace period.
- Federal PLUS loans: Repayment begins immediately after the loan is fully disbursed, but you can request a deferment while enrolled and for 6 months after.
- Private loans: Repayment terms vary by lender - some offer grace periods, others may require payments while you’re still in school.

Review your specific loan agreement for exact timelines.