Loan Repayment Information

Managing student loan repayment can be challenging. Recent changes to the Federal Direct Loan Program have complicated repayment for many borrowers, and it can be hard to keep track of all the loan programs, interest rates, repayment plans, and Web sites. The Office of Financial Aid is here to help current and former Juilliard students with debt management. We seek to ensure that students have access to the information they need to repay their loans as quickly and affordably as possible. 

Loan Repayment

For Federal Student Loans, repayment begins after the grace period of when a student graduates, withdraws, or drops below half-time enrollment. On the other hand, PLUS loans enter repayment once the loan is fully disbursed. This repayment start date begins in mid-November or December if you graduate in May. Some private loans also have a grace period similar to federal loans, but it varies by lender. It is important to review that information with your lender. If you have a Perkins loan, repayment begins nine months after graduation.

For more useful information on repaying student loans, click here

Managing Your Accounts

If you have a student loan, you are able to access all of your account information online. The Office of Financial Aid recommends that you use these online tools as much as possible. The number of accounts you need to maintain depends on the loans you have borrowed. The best place to start is On this site, you can determine who your federal loan servicers are. Once you have that information, you can go to the Web site of your servicer (or servicers) to create an account. Use this list of federal loan servicers to obtain their contact information. If you have a Perkins loan from Juilliard, your account information can be found on For instructions on how to create an account on this site, click 

 For servicer information on Perkins loans from another school, you should contact the school from which you borrowed the loan. Private educational loans from banks or credit unions will not appear as part of your borrowing history on NSLDS. For information about any private loans you borrowed, contact your lender or the school you attended when you borrowed the loan.

Loan Consolidation

Direct Loan Consolidation is the process of consolidating multiple loans into one loan. This allows you to have one monthly payment instead of multiple payments. It may also give you access to additional repayment plans and forgiveness programs. To determine if Direct Loan Consolidation is right for you, visit the Federal Student Aid website.

Keep in Touch

At Juilliard, your relationship with the School does not end when you graduate. The Office of Financial Aid is always available to provide counseling to alumni. Make sure to keep your contact information updated with us, which you can do online. If you have questions about your student loans, please contact the office (212) 799-5000, ext. 211, or [email protected].