Carrot_cn

有谁是过来人的,请说一下.谢谢

helpwanted

After graduation, or after the end of your study (in my case), you will receive a notification from a related authority, like "Student Loan Serivice Center" or something, notifying that you can start paying back your student loan.

To reply, select a way of payment and follow their instructions in the letter. In my case, I sent back a void check and they start to withdrawl fees from my bank account.

I selected a evenly devided monthly installment of 100$.  You can pick up another bigger / smaller amount other or even pay them back in a bulk. There is no deadline for paying off all your student loans.

Also the interest rate is pretty low, and the interest you pay for your student loan is tax-deductable.

mikewu69

When I graduated 10 years, many of my classmates did not pay back even a penny to the governments. I was one of them. Nowdays, it is impossible. I just regret that I had not borrowed a lot more.