When do i start paying off my stafford loans?

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When i get out of school even if it takes me an extra year to get my BBA? (ever since first semester of freshmen yr, i’ve only been taking 12 credits per semester so i’ll have to go to school for the 5th year in order to get enough credits for my BBA. Or After 4 years when they expect me to be done with my BBA?

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