What happens with my loans when I take less than 6 credits?

When you take fewer than 6 credits, you enter the grace period. The grace period starts the day after you stop attending school at least half-time (6 credits) and ends the day before the repayment period begins.

During your grace period, you should get a repayment schedule. If you don’t, contact your loan servicer. Payments start after the six-month grace period ends.

Short breaks (like missing a semester) don’t use up the grace period. If you return to school within six months and take at least six PA credits, you still get the full six-month grace period when you graduate or drop below six credits again.