Which of the following statements is true regarding loan repayment?

The correct answer highlights a key aspect of loan repayment timelines for those who commission after completing their education, particularly in a military context. Typically, for many student loans—including federal student loans—there is a grace period that starts after graduation, during which borrowers do not have to make payments. This period often lasts several months, usually up to six months, which gives graduates time to secure employment or transition into their next obligations, such as military service in this case.

In the context of midshipmen who commission into the Navy following their education, they are often granted a similar grace period before their loan repayments begin, allowing them to focus on their military training and assignments without the immediate pressure of student loan repayment. This makes option C particularly relevant and accurate, as it correctly identifies that there is a delay in repayment commencement.

The other options do not capture the typical grace period associated with loan repayment adequately, leading to misunderstandings about when a borrower is expected to start making payments. Understanding these timelines is crucial for effective financial planning, especially for new graduates transitioning into military life.