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All Direct Subsidized and Unsubsidized loans are solely in the student’s name, which means you are the only individual responsible for paying them back.

After your loan is paid to your account, you should have been contacted by the organization the Department of Education established would be servicing your loan. The servicer is responsible for collecting your payments for your loan. You should receive periodic notifications from the servicer once you enter your grace period and then when you begin repayment. You can visit the National Student Loan Database for Students to determine who your servicer is and how to contact them.

When you graduate, withdraw, or drop below part-time status your direct loans will enter into your six month grace period, in which no payment from you is required. When you make one of the three listed changes to your enrollment, you will need to complete exit counseling at the student loans website to review your rights and responsibilities as a borrower. When your grace period ends, you must start to make payments toward your direct loans.

The standard repayment period for direct loans is ten years, although the Department of Education offers several different types of repayment for special circumstances that can increase the time of repayment, and change the amount of each payment you are required to make. It is recommended that you review all the repayment options available at to you at the student loans website to determine which is available to you.