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If you have more than one Stafford loan, you might consider loan federal consolidation, which averages your interest rates and combines all of your previously borrowed federal loans into one monthly payment.

Whether you consolidate or not, you’ll have from 10 to 25 years to repay your loan, depending on which repayment plan you choose.

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When a Stafford Loan is subsidized, the government pays your interest as long as you’re enrolled as a full-time student and for a six-month grace period following graduation.

When you receive an unsubsidized Stafford loan, the interest clock starts ticking immediately upon disbursement (the date the loan funds were released to pay your academic institution).

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