Complex sentence: Loans issued to full-time students are interest free while a student is in full-time studies, when they are no longer in school, the loans begin to accumulate interest and repayment usually begins after 6 months.
Split into simpler sentences: Loans issued to full-time students are interest free while a student is in full-time studies. When they are no longer in school, the loans begin to accumulate interest and repayment usually begins after 6 months.