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Expect to provide a tax return or other income verification, said Andrew Josuweit, CEO of Student Loan Hero.com, an online student loan management site.Federal loans are scheduled to be paid back over a 10-year period.

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Here are five ways recent grads can manage their student loan debt: 1.

"It's not just reducing your monthly payment, it's increasing the total cost of the loan," Kantrowitz said.

Here's a breakdown of repayment options on federal loans: https://gov/repay-loans/understand/plans.

Several factors may enable you to qualify for a deferment, including economic hardship, unemployment or serving in the military on active duty during a war.

If you don't qualify, you may request a forbearance, which can generally buy you up to 12 months without making payments.

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