The terms of a student loan differ so you will need to contact the student loan organization to determine this. However, if you have federal student loans you can enroll in an income-driven repayment plan that would not require a monthly payment if you are making less than $15,000 annually.

The Consumer Financial Protection Bureau has created a very informative and interactive tool to help borrowers learn more about income-driven repayment plans. All eligible federal student loan borrowers can always enroll in an income-driven repayment plan and then freely switch plans at any point thereafter. Please visit their website here for more details.