How Student Loan Grace Periods Work and What Can Go Wrong

Episode 19 of Debt Payoff with Fexingo dives into the student loan grace period—the six-month window after graduation before payments begin. Lucas and Luna break down exactly when the clock starts ticking, how interest accrues during that time, and the costly mistakes borrowers make, like consolidating too early or missing a servicer notification. They walk through a real scenario: a graduate with $35,000 in federal loans who triggered capitalization by consolidating inside the grace period, adding $1,800 in extra interest. The episode also covers what borrowers should do during those six months—from making voluntary payments to locking in the right repayment plan—and a listener question about whether working during the grace period affects the interest-free window on subsidized loans. Practical, specific, and built for anyone with federal student loans approaching repayment. #StudentLoans #GracePeriod #LoanRepayment #FederalStudentLoans #InterestCapitalization #LoanConsolidation #SubsidizedLoans #Graduation #StudentDebt #FinancialPlanning #LoanServicer #DebtPayoff #FexingoBusiness #BusinessPodcast #Finance #PersonalFinance #MoneyTips #HigherEducation Keep every episode free: buymeacoffee.com/fexingo