I’m actually sort of in the same position. From what I’ve been able to tell, there aren’t many, if any loan companies that will consolidate all your loans and put off repayment. You may have to take out another graduate loan and pay off your existing loan with that money in order to defer until graduation. Your other alternative is to tell the bank (or probably AES) that you’re unable to pay while you’re in school, so they might allow you an in-school deferment. This will allow interest to capitalize, but you won’t have to pay now. Try searching for specialty loans on a website like My Rich Uncle I’ve had good luck with them because I’m a weird case of an American getting a PhD in a foreign country, so hardly any US lenders wanted to deal with me… other than Sallie Mae (but they’re super corrupt).