Learn how you can reduce your student loan costs by paying unsubsidized interest while in school.

Use the six-month grace period before you begin making your loan payments to develop a customized plan for repaying your debt. Learn if you qualify for interest-saving provisions. Take four simple steps to prepare for your loan payments. Review the range of payment options.

If you're not familiar with education-loan terms, check out our glossary of loan terms.

Find more information about the NSLDS Student Access Web site and tips for accessing information about your federal student loans and Pell Grants.