from my experience, student loans generally have a little grace period of around 30 days. this will affect your credit score badly, if you pay late, so be careful.
Enjoyed the read and social experiment. I can tell that the posting of the article elicited quite an array of responses from the comments.
While one person can never speak for their race, I am Black, a tech geek, and a minority in opinion in many professional and social circumstances. :-)
Regardless of what is said, race is a pre-occupation of people just like celebrity gossip, sexual orientation, and income. The only difference is the historical and institutionalized branches tied to this hang-up. Barack is historical step in the direction of knocking that tree down.