Contact your lender. Talk to them about the grace periods for each of your loans. Nearly every student loan starts out with either a three month or six month grace period following graduation.
Know the grace periods for each type of loan you have. The following is a list of the most common loans and their grace periods: Federal Perkins Loan - 9 month grace period. Direct Stafford Loan - 6 month grace period. Federal Family Education Loans (FFEL) - 6 month grace period. Nursing Loan - 9 month grace period. Health Professions Loan - 12 month grace period
Consider consolidation. This may help simplify your payments by placing all loans into one big loan with one interest rate.
Request forbearance or deferment. These both have terms in which loan repayment can be postponed, including financial hardship, accidents or disability. Talk to your lender about each of these.
Begin payment when grace period has ended.