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Are you almost finished school and wondering how to go about repaying your student loans?

You've come to the right place. Whether you have one or two student loans to repay,

CanLearn can help you figure out the process in three easy steps.

Step 1 - Where to Make Your Payments

You applied for your loans through your province or territory but that doesn't mean that you only have one loan to pay back.

In some provinces and territories, loans are issued separately by the federal and provincial/territorial governments.

That means that you could have more than one loan and more than one loan provider to arrange payments with.

Step 2 - When to Make Your Payments

Once you've verified how many loans you need to repay and to whom,

it's important to know that most government student loan programs give you at least six months after your post-secondary studies

before you have to start paying back your loan. However, interest does accumulate during this time.

This six-month period is meant to give you enough time to find a job and start making money.

So contact your loan provider toward the end of your studies to determine the exact date you're expected to start paying back your loan,

and check out the Loan Repayment Calculator to determine your monthly payments.

Step 3 - How to Make Your Payments

You will be notified by mail that your loan repayment is about to begin. If you haven't received anything by mail,

make sure you contact your loan provider loan provider before the end of the six month period.

Your loan repayment papers will tell you:

- the total amount of your loan

- the interest rate that will be applied to your loan

- the monthly amount that will be withdrawn from your bank account

- the bank account the payment will be withdrawn from

- the date on which it will be withdrawn every month or, for those paying by cheque, when to send payment

- how long it will take to pay back your loan

In most cases, your loan payments will automatically begin six months after your studies end.

If they don't begin, contact your loan provider immediately.

And remember to keep your address information up to date, so you can proactively manage your payments.

Repaying your students loans doesn't have to be a complicated process.

Check out the CanLearn site to learn more.