there is forebearance and deferrment options available if you use federal aid, as long as you talk to FASFA you can keep pushing it back for years, but eventually yes you will have to pay it back
but going after some kind of federal loan shouldn't be your first action imo, there are pell grants you can get which almost fully cover expenses nowadays and you do not have to pay those back, if you need some extra money on top of those then go after loans.
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