Student Loan Deferment Forms
A deferment is a period in which repayment of the principal balance is postponed. During a deferment, if your student loan is subsidized, the government pays the interest charged.
There are a number of student loan deferment options, based on specific circumstances. You must re-apply every six (6) months for deferments, using a valid deferment form.
Download these free deferment forms as needed, available in both English and Spanish (Please note that the White House Office of Management and Budget [OMB] has authorized the continued use of all Spanish-language deferment forms beyond their September 30, 2005 expiration date. Please be assured that these forms are still valid, and we will provide updated Spanish-language deferment forms as soon as they come available.):
You must receive federal or state public assistance or earn less than a federal minimum wage or exceed a federally defined debt-to-income ratio to receive this deferment. |
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You must be in a graduate fellowship; receiving rehabilitation training; in an internship or residency program; or teaching in a designated Teacher Shortage Area. |
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You must be enrolled at an eligible school on at least a half-time basis. |
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Parental Leave/Working Mother Deferment Request
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A deferment for those who are pregnant or caring for a newborn or newly adopted child; must not be working full-time or attending school; must have been enrolled in school at least half-time during the six months preceding the requested deferment period; and must meet other conditions. |
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A deferment for borrowers whose dependent student for whom they borrowed a Federal PLUS loan is attending school on at least a half-time basis, or is in a full-time rehabilitation program. |
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You must be serving full-time as an officer in the Commissioned Corps of the Public Health Service and meet other conditions. |
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Temporary Total Disability Deferment Request En espaņol |
You must be unable to work and earn money or go to school for at least 60 days in order to recover from an illness or injury or care for a spouse or dependent with an illness or injury. The condition cannot have existed before you applied for the loan(s). |
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You must be seeking but unable to find full-time employment (more than 30 hours per week) that is expected to last at least 3 months. |
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Please note that you need Adobe Acrobat Reader to view and download any of these deferment form files. If you do not have Adobe Acrobat Reader, please click on the Adobe button.
How to Get the Pre-July 1st Interest Rate After the Deadline!
According to the U.S. Department of Education, if you have "substantially completed" a student loan consolidation application prior to July 1, 2006, you may still qualify for the lower pre-July 1 interest rate, even at this late date!
CURRENT STUDENT LOAN CONSOLIDATION
INTEREST RATES
5.375% - 6.125%*
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