Repayment terms will vary depending on your specific lender and loan.
For most in-school student loans, repayment will usually begin shortly after leaving school.
For most student loan refinancing, repayment will begin as soon as you accept the new loan.
If you’re unable to pay off your loan, you may be at risk of damaging the credit of you and your cosigner. Check with your lender or financial aid office to confirm the terms of your loan and ensure you’re on track to pay it off in time.