You can go without paying your student loans up until they go into “default”, as that is when actions will start to be taken against you.  With Federal student loans, the loan will go into default after 270 days of being overdue. With private student loans, the loan will go into default after 120 days of being overdue. However, this can depend on the type of loan and where you are getting the loan from, so always check the amount of days you have before they take action!