Most NYHELPs loans will enter into repayment six months after you graduate from or leave college. The information on these pages will help prepare NYHELPs borrowers and cosigners for making full principal and interest payments on their NYHELPs loans when the time comes.

Extenuating circumstances may create repayment problems, but ignoring your NYHELPs loan will create a more serious situation later. Many options are available to help make loan repayment manageable. Contact HESC at the first sign of difficulty to discuss options.