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    Discover Student Loans
    Discover Student Loans

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    As you choose the student loan that's right for you, you can also choose a repayment option to help you best manage the cost of your loan.

    Defer Your Payments


    What is it?

    You won't have required payments during your automatic in-school deferment and grace period.

    Interest will accrue on your loan and will be added to your principal balance when you enter repayment.

    ?

    What does this mean?

    No payments are required while you're in school at least half-time, but interest will continue to accrue and you'll end up paying more over the life of the loan.

    You can make payments at any time with no pre-payment penalty.

    Make Interest-Only Payments

    ?

    What is it?

    You can elect to pay off the interest that accrues each month on your loan during your in-school and grace periods.

    If you select this repayment option, you will receive an interest rate discount and you will lower the overall cost of your loan.

    Click here for the terms & conditions of the interest-only repayment option

    What does this mean?

    While you are making your interest-only payments, you will be eligible to receive a 0.35% interest rate reduction.

    If all your interest is paid prior to entering repayment, you will retain the interest rate reduction for the life of the loan.

    These monthly payments mean less interest accruing each month during your in-school and grace periods.

    This means you will pay less interest over the life of your loan.

    Make a Fixed Monthly Payment

    ?

    What is it?

    You can elect to make a $25 fixed monthly payment on your loan during your in-school and grace periods.

    Any unpaid interest will be added to your principal balance when you enter repayment.

    What does this mean?

    These monthly payments mean less interest will be added to your principal balance once your grace period has ended.

    This means you will pay less interest over the life of your loan.

    Make Full Monthly Payments

    What is it?

    Pay your principal and interest each month during your in-school and grace periods.

    What does this mean?

    These monthly payments would be the full principal and interest amounts due on your loan.

    Making full interest and principal payments while you're in school will save you the most on the overall cost of your loan.


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    Traveling when you’re just starting out may seem tricky to do without busting your budget. However, you can find affordable options to build your dream vacation. Check out these tips on how to travel on a budget from Discover Student Loans.

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    While setting goals seems like an obvious part of adulthood, there's a lot that goes into it. Find out how setting goals plays an important role in your future plans after college with tips from Discover Student Loans.


    Did You Know?

    Interested in Private Student Loans?

    Learn More
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