<prompt> Human: I just graduated in May Biology BS 4 years then PharmD 4 years and just received a loan statement that I owe 441 dollars due in 2 weeks. I havent even started working yet because I have to pass my board exams first, which are this month and the end of July. How do I go about deferring or applying for loan forbearance through Navient Federal Loans. Then what should I do when I actually start working in regards to payments? Is there a recommended repayment schedule to work out with them over a certain time period?Any advice is appreciated.  <response>: Log onto your servicer or give them a call.Is there a recommended repayment schedule to work out with them over a certain time period?Live like a college student for a few more years and pay as much as possible towards these loans. Your income will be high enough that any sort of forgiveness does not make sense, so pay them off quickly to avoid interest. 