<p>If you have an undergraduate loan but you plan on going to grad school do you have to start paying back the undergrad loan right after away or can you wait until after you finish grad school to start paying the loans?</p>
<p>I can only comment on my own kids…but I think it is the way it is.</p>
<p>If you continue in grad school, your loan repayment continues to be deferred for the Stafford loans and Perkins loans. I have no idea about other loans.</p>
<p>You can wait (it’s called in school deferment - although the spelling doesn’t look right to me! :)). BUT … any time you are out of school more than 6 months, repayment begins until you get back in school at least half time. And even if you are back within 6 months, you have to be enrolled at least half time.</p>