Students still have the option to make full monthly payments if they so wish. (usstudentloancenter.org)
The actual number will be determined by dividing your lump sum payment by your scheduled full monthly payment amount. (asa.org)
If you make three voluntary, on - time, full monthly payments before consolidating, you can choose from any of the repayment plans available to Direct Consolidation Loan borrowers. (studentaid.ed.gov)