If you've taken out a government undergraduate grant, there will come a time when you have to settle what you've borrowed. That time comes after you graduate, leave school, or drop below half-time enrolment. But don't worry, in most cases, you won't have to begin making settlements right away. For instance, you won't have to start settling your direct non-subsidised grant for six months. If you have a non-subsidised grant, your grant enters reimbursement after your final disbursement, but you may be able to postpone your settlements. Before your grant comes compensation, you'll be contacted by a grant servicer. A grant servicer is an organization that manages investments and collects settlements on behalf of the lender. For grants you receive from the U.S. Department of Education, you will submit your settlements to your grant servicer. If you have a direct non-subsidised Grant from your school, you'll make settlements to your school or your school's grant servicer. Your grant servicer can help you select the reimbursement plan that works best for you. There are different types of plans that you can choose. Thus, choose based on the type of grant you received and how much you've borrowed. For example, you may select a fixed monthly settlement. But some people opt for a graduated reimbursement plan where fees start low and increase every two years. If you think you'll need a more extended amount of time to settle back the grant, you may be eligible for an extended reimbursement plan. Some options base your grant settlements on your income, to help you better manage your debt. If you ever find yourself having difficulty making settlements, contact your grant servicer immediately to discuss the options available to you. Or, if you need to look up the contact information of your grant servicer, there is a great resource available online to help you accomplish that.