Yes, you’ll still have to make payments even on subsidized loans, but only after you’re out of school. While you can pay back your subsidized loan at any time, the loan payment is required six months after graduation, and most students choose this option. Your loan will enter the repayment phase at this time, and your loan servicer will place you on the Standard Repayment Plan.
This will set up your repayment term at up to 10 years, with equal payments every month. However, you can always make changes to your payment plan based on your needs.