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Since a graduate fellowship is considered an in-school deferment, I was under the impression that I would receive a 6 month grace period after the fellowship was over.

One would think so, but you'd have to read all of the fine print for all of your loans to be sure. Here's what I would do:

Who has been signing your in-school deferments up until now? I am guessing it is the financial aid office at the shcool you attended. Go get in-school deferment forms for all your loans (should be available on-line). Go to the finanical aid office and get them to sign in-school deferments dated through to the end of your fellowship for each one of your loans. Make copies of the in-school deferments (for yourself) and send the original to your lender.

I can't guarantee this will work, but there's a decent chance it will. I am guessing that when ask the lender: "Do I still have an additional grace period?" the answer is "No" because they want to get you into repayment. However, if the correct papers are filed, they have no choice but to follow the rules.

Good luck,
NellieD
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