What to Expect When You Stop Attending School
The Direct Loan Servicing Center will contact you within 30 days of your separation from Sinclair at the address you provided at the time you received your last student loan disbursement. The letter will include the grace period start date, an estimate of your student loan debt (not including any private loans), estimated monthly repayment amounts based on available repayment plans, your anticipated payment start date, and required disclosures concerning your loan(s). You will make your loan payments directly to the Direct Loan Servicing Center.

Grace Period n.
A period in which a debt may be paid without accruing further interest or penalty.

Federal Stafford Direct Loans have a grace period of six months before you enter repayment. This grace period begins the day after you stop attending school at least half time. Your first payment will be due within 60 days from the last day of your grace period.

If you do not receive information regarding your payments from the Direct Loan Servicing Center, it is your responsibility to contact the center immediately! Not receiving notification does not excuse delinquency or default. To ensure that you receive all of your information contact the Direct Loan Servicing Center to report any changes to your telephone number, mailing and/or e-mail addresses.

When to Begin Repayment
Generally, you have a 180-day Grace Period before you must begin repaying your loans, which starts the day after your last day of attendance at Sinclair. However, if you dropped below 6 credit hours at any time, you may have used up some of your Grace Period. For more information about your repayment date, go to www.nslds.ed.gov or call 1-800-848-0979.