A deferment for borrowers:

• in a full-time course of study in a graduate fellowship program
• in a full-time rehabilitation training program
• teaching full time in a public or non-profit private elementary or secondary school in a teacher shortage area defined by the U.S. Department of Education as recommended by each state
• with at least a bachelor's degree who are serving in an internship program that is required to begin professional practice or service; or a medical internship or residency program that leads to a degree or certificate awarded by a higher education institution, hospital, or a healthcare facility that offers postgraduate training

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(Borrowers with all federal education loans disbursed on or after July 1, 1993)
A deferment for borrowers who earn less than minimum wage or exceed a federally defined debt-to-income ratio. A borrower may also be eligible if he or she is receiving state or federal aid.

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A deferment for borrowers who are attending school at least half time (as defined by the school). In order to be considered eligible, a school must be an institution of higher education and be eligible to participate in Title IV financial assistance programs.

A school official must certify the borrower's dates and level of attendance. (Note: The school can verify if it is an eligible institution and be able to certify enrollment.)

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A deferment for Parent PLUS loans with a first disbursement on or after July 1, 2008 or, between July 1, 1987, and July 1, 1993. If you have loans disbursed outside of these dates, please contact us to discuss the other payment options that may be available.

You may be eligible for deferment of your Parent PLUS loan if the student for whom you borrowed the loan:

• is enrolled at least half time at an eligible school; or
• has ceased at least half time enrollment within the past 6 months; or
• is engaged full-time in a rehabilitation training program.

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(All borrowers)
A deferment available to borrowers who are conscientiously seeking, but unable to find, full-time employment in the United States. Full-time employment is defined as at least 30 hours per week that is expected to last at least three months. The borrower must be registered with an employment agency or be receiving unemployment benefits. (Note: A borrower is not eligible for an unemployment deferment if he or she refuses to consider positions, salaries, or responsibility levels for which he or she feels overly qualified due to education or experience.)

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Military Service Deferment
A deferment for borrowers serving on qualifying active duty military service or National Guard duty during a war or other military operation, or a national emergency, and for an additional 180 days following the completion of the qualifying military service. You or your representative must provide your loan holder with required documentation.

Post-Active Duty Student Deferment
A deferment for borrowers who are non full-time military personnel called to full-time or state active duty for at least 30 consecutive days (excluding training), and who were enrolled in a postsecondary institution at the time of, or within 6 months prior to, their activation.

Download Military Service and Post Active Duty Student Deferment Form (PDF)

An option for borrowers:

• participating in an internship/residency program
• participating in a student loan repayment program administered by the Department of Defense
• activated for state National Guard duty for a period of more than 30 consecutive days

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A forbearance for borrowers who have a monthly payment on federal education loans equal to or greater than 20% of their total monthly gross income.

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