You must start making payments on your Canada-Saskatchewan Integrated Student Loan six months after you have completed full-time study, whether you have graduated, transferred to part-time studies, withdrawn, or you are taking time off from your studies. This is called student loan consolidation.Prior to your loan entering the repayment phase, the National Student Loans Service Centre will send you a consolidation letter and agreement. It outlines your repayment terms and your minimum monthly payment. You can negotiate your monthly payment amounts with the National Student Loans Service Centre, pay in lump sum or pay out your loan early.Contact the National Student Loans Service Centre if you have not received your repayment information one month before your loans consolidate.