Repayment Forms

  • Automatic Draft for Education Loans
    Set it and forget it! Arrange to make your loan payments by automatic draft from your financial institution account and stop worrying about missed or late payments.
  • Income-Based Repayment (IBR)
    This repayment plan was developed to assist borrowers who are having difficulty making their payments because they have high student debt levels relative to their incomes. The program is available for Stafford Loans, PLUS Loans to graduate students and Consolidation Loans with no underlying parent PLUS Loans. Borrowers must exhibit a partial financial hardship (PFH) as defined by federal regulations to enroll in an IBR plan. PFH is based upon the borrower's income, the poverty level for the borrower's state of residence, family size and student loan indebtedness. Borrowers must recertify family size and income each year. This plan became available on July 1, 2009.
    - IBR Calculator
    - Income-Driven Repayment (IDR) Plan Request Online Help
  • Cancer Treatment Deferment Request
    This type of deferment is available if your loans entered repayment on or before September 28, 2018, and you are receiving cancer treatment. A Doctor of Medicine or Osteopathy who is legally authorized to practice must certify that you are receiving or have received cancer treatment. This deferment cannot be granted before September 28, 2018. This deferment is to be used for Stafford, SLS, PLUS Loans for graduate students and for parents, or Consolidation borrowers receiving treatment for cancer.
  • Economic Hardship Deferment Request
    This type of deferment may be available if all of your outstanding loans were made on or after July 1, 1993, and you qualify for economic hardship. Are you receiving payments under public or state public assistance programs? Are you serving in the Peace Corps? If you work full-time but make less than 150% of the poverty guideline for your family size and state of residence, you may qualify as well. This deferment is to be used for Stafford, SLS, PLUS Loans, or Consolidation borrowers who are experiencing economic hardship.
  • Graduate Fellowship Deferment Request
    You must have a bachelor's degree granted by an institution of higher education, and you must have been accepted or recommended for acceptance into a graduate fellowship program. In addition, your graduate fellowship program must also require full-time study, progress reports, and other objectives. This deferment is to be used for Stafford, SLS, PLUS Loans or Consolidation borrowers completing their graduate fellowship.
  • In-School Deferment Request
    An In-school deferment covers both full and half-time study at an eligible school.
    Schools that go through the Clearinghouse do not require a form. Check with your school. Medical interns and residents (except for dental interns) cannot be granted an in-school deferment. This deferment is to be used for Stafford, SLS, PLUS Loans or Consolidation borrowers enrolled in school full-time. This deferment is also to be used for Stafford, SLS, PLUS Loans or Consolidation borrowers enrolled half-time but did not have an outstanding balance on a loan made before 7-1-87.
  • Military Deferment Request
    Military deferment covers services while you're on active duty during a war, other military operation or national emergency, or performing qualifying National Guard duty during a war, military operation, or national emergency. Not all active duty people may qualify for this deferment. This deferment is to be used for Stafford, SLS, PLUS Loans or Consolidation borrowers who are serving on active duty during a war or other military operation or national emergency. This deferment is also to be used for borrowers who are performing qualifying National Guard duty during a war or other military operation or national emergency.
  • Rehabilitation Training Deferment Request
    You must be receiving or scheduled to receive rehabilitation services. The program must provide services under a written, individualized plan among various other requirements. This deferment is to be used for Stafford, SLS, PLUS Loans, or Consolidation borrowers who receive rehabilitation training.
  • Temporary Total Disability Deferment Request
    To qualify for this deferment type, you must have an outstanding balance on a loan made before July 1, 1993. You, your spouse or your dependent must be temporarily totally disabled where you are unable to work or earn money. This deferment is to be used for Stafford, SLS, PLUS Loans or Consolidation borrower's, spouse's or dependent's temporary total disability.
  • Unemployment Deferment Request
    You must be diligently seeking but unable to find full-time employment. This deferment is to be used for Stafford, SLS, PLUS Loans or Consolidation borrowers with a 24 or 36-month limit.
  • Automatic Draft for Education Loans
    Set it and forget it! Arrange to make your loan payments by automatic draft from your financial institution account and stop worrying about missed or late payments.
  • Cancer Treatment Deferment Request
    This type of deferment is available if your loans entered repayment on or before 9/28/18, and you are receiving cancer treatment. A Doctor of Medicine or Osteopathy who is legally authorized to practice must certify that you are receiving or have received cancer treatment. This deferment is to be used for Stafford, SLS, PLUS Loans for graduate students and for parents, or Consolidation borrowers receiving treatment for cancer.
  • Economic Hardship Deferment Request
    This type of deferment may be available if all of your outstanding loans were made on or after 7/1/93, and you qualify for economic hardship. Are you receiving payments under public or state public assistance programs? Are you serving in the Peace Corps? If you work full-time but make less than 150% of the poverty guideline for your family size and state of residence, you may qualify as well. This deferment is to be used for Stafford, SLS, PLUS Loans or Consolidation borrowers who are experiencing economic hardship.
  • Graduate Fellowship Deferment Request
    You must have a bachelor's degree granted by an institution of higher education, and you must have been accepted or recommended for acceptance into a graduate fellowship program. In addition, your graduate fellowship program must also require full-time study, progress reports, and other objectives. This deferment is to be used for Stafford, SLS, PLUS Loans or Consolidation borrowers completing their graduate fellowship. 
  • In-School Deferment Request
    An In-school deferment covers both full and half-time study at an eligible school. Schools that go through the Clearinghouse do not require a form. Check with your school. Medical interns and residents (except for dental interns) cannot be granted an in-school deferment. This deferment is to be used for Stafford, SLS, PLUS Loans or Consolidation borrowers who are enrolled in school full-time. This may also be used for Stafford, SLS, PLUS Loans or Consolidation borrowers enrolled half-time but did not have an outstanding balance on a loan made before 7/1/87.
  • Military Deferment Request
    Military deferment covers services while you're on active duty during a war, other military operation or national emergency, or performing qualifying National Guard duty during a war, military operation or national emergency. Not all active duty people may qualify for this deferment. This deferment is to be used for Stafford, SLS, PLUS Loans or Consolidation borrowers who are serving on active duty during a war or other military operation or national emergency. This may also be used for borrowers who are performing qualifying National Guard duty during a war or other military operation or national emergency. 
  • PLUS Borrower With Dependent Student Deferment Request
    Deferment for PLUS borrower who did not have an outstanding balance on a loan made before 07/01/1987 and the dependent student for whom the parent obtained the PLUS loan is enrolled as at least half time.
  • Rehabilitation Training Deferment Request
    You must be receiving or scheduled to receive rehabilitation services. The program must provide services under a written, individualized plan among various other requirements. This deferment is to be used for Stafford, SLS, PLUS Loans or Consolidation borrowers receiving rehabilitation training. 
  • Temporary Total Disability Deferment Request
    To qualify for this deferment type, you must have an outstanding balance on a loan made before 7/1/93. You, your spouse or your dependent must be temporarily totally disabled where you are unable to work or earn money. This deferment is to be used for Stafford, SLS, PLUS Loans or Consolidation borrower's, spouse's or dependent's temporary total disability. 
  • Unemployment Deferment Request
    You must be diligently seeking but unable to find full-time employment. There is a 24 or 36 month limit on this deferment. This deferment is to be used for unemployed Stafford, SLS, PLUS Loans or Consolidation borrowers.