A student is considered to not be in attendance at the point in time where they cease to be enrolled at least half-time (6 credit hours). If a student re-enrolls at least half-time prior to the end of the six or nine month grace period then repayment of the loans does not begin until they once again cease attending at least half-time for six or nine months respectively.
If a student is not in attendance at school for six months or longer and has borrowed a Stafford Loan they will need to begin repayment of the loan or request a deferment or forbearance if they meet the qualifications for such. Perkins loan borrowers can be out of school for nine months before they must begin payment on their loans. Repayment terms for alternative loans vary by lender.
