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May I waive the six-month repayment grace period on my Direct Subsidized Loans and Direct Unsubsidized Loans and begin making qualifying PSLF payments
No. Under the law that governs the Direct Loan Program, you may not waive the six-month grace
period on a Direct Subsidized Loans or Direct Unsubsidized Loan that begins after you are no longer
enrolled in school at least half-time. Direct Subsidized Loans and Direct Unsubsidized Loans only
enter repayment at the end of the six-month grace period. Any payments made on a loan during the
grace period, when you have no legal requirement to make payments, will be applied to reduce
outstanding interest or loan principal and will not count as PSLF-qualifying payments.