Federal Financial Aid can cover most of your tuition if you qualify. Federal Financial Aid includes Pell Grant that you do not need to repay and loans that you need to pay back with low interest supported by federal government. Your monthly payment will start 6 months after your graduation (or withdrawal from school.) Income-Based Repayment (IBR) plan* caps your required monthly payment at an amount intended to be affordable based on your income and family size. You may also delay your payments (deferment) for up to 3 years if you are unable to find full-time employment or have economic hardship. Please contact PC AGE Financial Aid department for details.