You have six months from your study period end date before you must start paying back your loan. Know what to expect and where to find help if you need it. Understand loan repayment. Find what you need to know about your student loans and repayment. If you miss loan payments. Find out what to do if you're behind in your monthly payments. Rehabilitation after default. Find out how to be rehabilitated if you have defaulted on your loan. Get help with repayment. Find programs to help you manage your student repayment debt. If you declare bankruptcy. Find out what to do about your student loan if you declare bankruptcy.