<p>Just to be clear, Stafford loans have a six month grace period, Perkins loans are 9 months. Also, I’m pretty sure that’s a one-time only grace period for Stafford - if it expires, you will not get a grace period next time (after you graduate from a 4 year school) although you can request a student deferment when you’re enrolled at least half-time. Perkins is a little more generous in that those loans may be eligible for a new 6 month grace period after a deferment. I’m not sure what happens with the interest on subsidized loans during the grace period or deferral period - you might want to look into that and, depending on what your subsidized loan balances are, you would probably want to pay at least the interest portion if they are no longer subsidized.</p>