Log In to Request a Deferment
Deferment is a period when you postpone making payments on your loan.
You are not responsible for paying accrued interest on subsidized federal loans during most deferments.
You typically remain responsible for interest that accrues on your unsubsidized loans.
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You may be eligible if you are receiving treatment for cancer.
You may be eligible if you're having temporary issues making your student loan payments due to economic hardship or serving in the Peace Corps.
You may be eligible if you are enrolled in an eligible graduate fellowship program.
Health Education Assistance Loan (HEAL) Borrower
You may be eligible if you have a HEAL loan and need to defer repayment for one or more reasons indicated on the request form.
You may be eligible if you’re enrolled at an eligible school at least half time.
Military Service and Post-Active Duty
You may be eligible to postpone federal student loan payments if you are an eligible servicemember serving active duty during a war, military operation, or national emergency. For Post-Active Duty, you may be eligible if you were serving active duty in connection with a war, military operation, or national emergency, for the 13-month period following the conclusion of that service, or until you return to college or career school on at least a half-time basis, whichever is earlier.
Parent PLUS Borrower
You may be eligible if you are a parent with a Parent PLUS Loan who needs to defer repayment while your student is enrolled in school at least half time.
Rehabilitation Training Program
You may be eligible if you are enrolled in an approved rehabilitation training program for the disabled.
Temporary Total Disability
You may be eligible if you are experiencing a temporary total disability.
You may be eligible if you're unemployed, or working less than 30 hours per week, and seeking full-time employment.
Do you have pre-1993 loans?
If you are a Direct Loan borrower who had a balance on a FFELP loan that was made before July 1, 1993 at the time you received your ﬁrst Direct Loan, or if you are a FFELP loan borrower who received loans before July 1, 1993, you may be eligible for additional deferments or your deferment options may be diﬀerent from the deferments described above.
Find out more about deferments for older loans
Log In to Request a Forbearance
Forbearance is a period during which your monthly loan payments are temporarily suspended or reduced. Payments are postponed, but interest will accrue during the forbearance period.
NOTE: The use of forbearance may cause the loss of borrower beneﬁts – such as repayment incentives that can lower your interest rate.
Or download the form:
You may be eligible if you are experiencing temporary hardship related to ﬁnancial diﬃculties, change in employment, medical expenses, and other situations. Be sure to explore any deferment options for which you may be eligible.
You may be eligible while in medical or dental internship/ residency, on National Guard active duty, or performing service that qualiﬁes you for a partial repayment under the Department of Defense Student Loan Repayment Program.
Student Loan Debt Burden
You may be eligible depending on your total student loan debt and your income. Be sure to explore other options, as you may qualify for deferment or for Income-Driven Repayment plans.
Teacher Loan Forgiveness
You may be eligible to postpone federal student loan payments while you are performing qualifying teaching service to earn Teacher Loan Forgiveness. If you teach full-time for ﬁve complete and consecutive academic years in a low-income elementary school, secondary school, or educational service agency, you may be eligible for forgiveness of up to $5,000 (or up to $17,500 if you meet the criteria of a highly qualiﬁed teacher) on your Direct or FFELP loans.