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In response to "ugh, that's awful - the owing more, that is. from what people have shared here, the system seems so messed-up. -- nm" by b.

if your loan is unsubsidized and you're in deferment for whatever reason and don't make payments to keep up with the interest, it'll happen.

they'll capitalize it and add it to your principal when you go back into repayment.

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