When students graduate, withdraw from school or drop below half-time enrollment status they have six months before the first payment is due on their subsidized and unsubsidized loans. This is called a grace period. This time can allow students to get financially settled, select a repayment plan and determine the amount of income needed to put toward student loans each month. Learn more about the options available to students after graduating or leaving Gateway below and everything you need to know about repayment. If you have any questions please call 800-247-7122 to start working with our Student Finance Specialist via phone, email or in person at a Student Support Center. You can also find more information on the Federal Student Aid website.