You can make payments no matter what repayment option you chose
When you first get your student loan, you choose to either make in-school payments or defer (put off) making payments until after graduation or leaving school. Deferring payments can be helpful for people who can’t make regular payments during school. But with private student loans, interest continues to accrue (grow) all through the years you’re in school and you’ll end up paying more for your loan.
If you choose to defer your loan payments until after graduation, it just means that you’re not required to make payments while in school. But you’re absolutely allowed to make payments if you’re able. And that can help you save money on your total loan cost!
It could help you build credit
Aside from helping you pay for college and invest in your future, another benefit of paying student loans while in school is that it can help you build credit. Credit is the ability to borrow money, based on the lender’s belief that you can pay it back. Most students don't have much credit history, so paying your student loans on time is an opportunity to build up credit while in school.
Making payments on time, every time, is important to your credit health. It proves that you’re a responsible borrower and that you’re able to repay a loan. You’ll need good credit when you apply for a credit card, car loan, or mortgage.
Stay on track
By making student loan payments while you’re in college, you may be able to lower your total loan cost, make your post-school payments more manageable, and build credit.