Student loan payments typically kick in six months after a student has graduated, dropped below half-time or stopped attending school for whatever reason. But this grace period varies, depending on the type of loan you have.

You don’t want to be surprised by a payment notification in the mail. Knowing when your payments begin can help you get your budget in order — plus, you can look into your repayment options before the first bill arrives.

Mandy’s Fabulously Frugal Fact is made thrifty by:

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