Your lender will send information about repayment and notify you of the date repayment will begin.  Under FFEL Program, you will repay to a private lender or their designated loan servicer that made the loan.  Under DL, payments are made to the Direct Loan Servicing Center.  You will make separate monthly payments to each servicer.  It is recommended that you visit the National Student Loan Data System (NSLDS) Student Access website at www.nslds.ed.gov.  NSLDS provides a central database for student aid.  You will need your Federal Student Aid PIN to access the website