Deferment and Forbearance Forms
    Deferments and Forbearances

Deferment, Automatic Draft, and other Forms

A deferment allows you to temporarily postpone making your federal student loan payments. A deferment is a period during which repayment of principal and interest is temporarily delayed. If you have a subsidized loan, the government pays the interest that accrues during deferment. If you have a PLUS or unsubsidized loan, you are responsible for the interest that accrues.

Deferment requests may be made by speaking or writing 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 before returning it.

If you are not sure what deferments you may apply for, we suggest using our "Repayment Wizard". Using an online interview type process we help to determine if and what type of deferment you are eligible to request, and we create and fill the required form. You merely need to then print and send in the form with any additional documentation or signatures required.

1 Economic Hardship Deferment Request.
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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 an economic hardship. Are you receiving payments under a public or state public assistance program? 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 or residence, you may qualify as well.
See the form for more details.
To be used for:
  • Deferment while Stafford, SLS, PLUS, or Consolidation borrowers are experiencing economic hardship.

pdf Download Economic Hardship Deferment Request

2 Graduate Fellowship Deferment Request.
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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.
To be used for:
  • Deferment while Stafford, SLS, PLUS, or Consolidation borrowers complete their graduate fellowship.

pdf Download Graduate Fellowship Deferment Request

3 In-School Deferment Request
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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.
  • Deferment for Stafford, SLS, PLUS, or consolidation borrowers enrolled in school full-time.
  • Deferment for Stafford, SLS, PLUS, or consolidation borrowers enrolled half-time but did not have an outstanding balance on a loan made before 7-1-87.

pdf Download In-School Deferment Request

4 Military Deferment Request
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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 poeple may qualify for this deferment.
To be used for either:
  • Deferment for Stafford, SLS, PLUS, or Consolidation borrowers who are serving on active duty during a war or other military operation or national emergency.
  • Borrowers who are performing qualifying National Guard duty during a war or other military operation or national emergency.

pdf Download Military Deferment Request

5 Rehabilitation Training Deferment Request
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You must be receiving or scheduled to receive rehabilitation services. The program must provide services under written, individualized plan among various other requirements.
To be used for:
  • Deferment while Stafford, SLS, PLUS, or Consolidation borrowers receive rehabilitation training.

pdf Download Rehabilitation Training Deferment Request

6 Temporary Total Disability Deferment Request
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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.
To be used for:
  • Deferment based on Stafford, SLS, PLUS, or Consolidation borrower's, spouse's, or dependent's temporary total disability.

pdf Download Temporary Total Disability Deferment Request Form

7 Unemployment Deferment Request
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You must be diligently seeking but unable to find full-time employment.
To be used for:
  • Deferment for unemployed Stafford, SLS, PLUS, or Consolidation borrowers - 24 or 36 month limit.

pdf Download Unemployment Deferment Request

 
 

Other Forms Available for download:

We also offer automatic draft forms for various loans, as well as Income Based Repayment forms and calculators.

Automatic Draft Form for Education Loans or the CFI Payment Plan
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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.

pdf Download an Automatic Draft Form now to take advantage of this time and money saving option.

Income Based Repayment (IBR) Form
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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, 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 July 1, 2009. Click on the IBR Q&A for more information.

calculator Income-Based Repayment (IBR) Calculator
pdf Download Income-Based Repayment (IBR) PDF form

Please note: Income Based Repayment forms can be submitted by email, fax, or mail. We do not currently accept applications through the online process at Studentloans.gov.

College Funds Installment (CFI) Payment Plan Enrollment Form
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The CFI Payment Plan lets you divide college expenses evenly into monthly payments, without paying any interest charges -- just a low enrollment fee. See if your college is participating. If the plan is available at your school, make sure the person paying your bills enrolls now.

Automatic Draft Form for CFI Payment Plan
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Making monthly installment payments by automatic draft to your CFI Payment Plan can save you time and money. Once you authorize automatic draft from your account at a financial institution, never worry about late payments again. Make sure the person paying your college bills is aware of the payment plan and this option.

pdf Download an Automatic Draft Form now



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