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Federal Student Loan Deferment

As long as you can demonstrate that you meet the conditions for the type of deferment you are requesting, you are entitled to a deferment on your federal loans.

Note: Not all federal loans qualify for every type of deferment. In addition, borrower benefit programs may be revoked or suspended during periods of deferment. Please review the request forms thoroughly or call us at (800) 243-7552 if you have questions.

Interest During Deferment

Interest accrues daily on student loans. Interest that is not paid during deferments capitalizes, or is added to the principal balance of your loans, at the end of the deferment period.

The government pays accruing interest on subsidized federal loans during deferments.

You are responsible for interest that accrues on unsubsidized federal loans. Deferring payments for an extended period of time may substantially increase your loan balance. We strongly encourage you to make payments that at least cover your accrued interest to avoid increases in your loan balance.

Deferment Options

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Are you serving or have you served in active duty?

Are you enrolled in school at least half time?

Are you unemployed?

Are you experiencing financial problems?

Did you borrow a Parent PLUS Loan for a student who is currently in school?

Are you in a fellowship program or in rehabilitation training?

Are you a volunteer or serving full time on active duty?

Are you unable to work due to your or a dependent's disability?

Are you caring for dependents?

Have Private Student Loans?

Private student loans may also be eligible for deferment. Learn more or contact us for assistance with private loan deferment.

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