<prompt> Human: These were loans taken out a year ago at a community college, it says their grace period is expiring. Im transferring from the school I was with when I took those loans out though. Am I stupid in thinking that I shouldnt need to be worrying about this until after I graduate?  <response>: When you called and asked what your options were any why the grace period is expiring while youre still in school - what did they tell you? 