Loan Deferments

A deferment is a postponement of payments for specific reasons. Generally, those who borrowed their first Stafford Loans on or after July 1, 1993, are eligible to defer payments if they're enrolled at least half-time at an eligible school; unemployed; in a graduate fellowship program; in a rehabilitation training program for people with disabilities; or suffering economic hardship.

The qualifications for deferment on loans made before July 1, 1993 may differ from those listed above. For example, borrowers who received loans made before July 1, 1993 may qualify for deferment for full-time enrollment, medical internships, and military service. Contact us to discuss situations that may make you eligible for deferment of payments.

Deferment requests must be made by speaking or writing directly to us. To apply for a deferment, you may download the appropriate form, complete and sign the form, and mail the form to us. In many cases, you will need to have the deferment form certified or attach additional documentation to it before returning it.

Remember that each deferment request must be approved before your payments will be postponed. If you have questions about deferment or prefer to ask us to mail a deferment form to you, contact us by email or call the Repayment Information Center at 800/722-2838.