Deferment Forms
Forbearance Forms
Loan Consolidation Forms
TEACH Grant Forms
Other Forms
A deferment is a period in which repayment of principal and interest is postponed temporarily. During the deferment of a subsidized loan (Direct Subsidized and Direct Subsidized Consolidation Loans), the government pays the interest that accrues. For unsubsidized loans (Direct Unsubsidized, Direct PLUS, Direct Unsubsidized Consolidation, and Direct PLUS Consolidation Loans), you are responsible for the interest that accrues during the deferment period.
If you have unsubsidized loans, any unpaid interest capitalizes (is added to the principal balance) when you enter repayment at the end of the deferment.
Download Deferment Forms
Action Programs Deferment Form
You must be a full-time paid volunteer in Action Programs for at least one year and must meet other conditions.
Armed Forces Deferment Form
You must be on active duty in the Armed Forces in the United States and you must have agreed to serve for at least one year.
Economic Hardship Deferment Form
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.
Graduate Fellowship Program Deferment Form
You must be engaged in a full-time course of study in a Graduate Fellowship Program.
In School at Least Half Time Deferment Form
You must be enrolled at an eligible school on at least a half-time basis.
Internship/Residency Program Deferment Form
You must be engaged in an Internship/Residency Program in an institute of higher education, hospital or health care facility and meet other specific criteria.
Military Deferment Form
You are serving on active duty in the U.S. Military during a war, other military operation or national emergency. Or you are performing qualifying National Guard duty during a war, other military operation or national emergency.
National Oceanic & Atmospheric Administration Deferment Form
You must be on active duty in the National Oceanic & Atmospheric Administration (NOAA) and must meet other conditions.
Parental Leave Deferment Form
You must be 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.
Peace Corps Deferment Form
You must have agreed to serve in the Peace Corps for at least one year and must meet other conditions.
PLUS Loan Student In-School at Least Half Time Deferment (disbursed on or after 07/01/2008) Form
The student for whom a parent PLUS Loan is made, must be enrolled at an eligible school on at least a half-time basis during the period of the deferment and your Direct PLUS Loan(s) must be disbursed on or after July 1, 2008.
PLUS Loan Student In-School at Least Half Time Deferment (FFEL disbursed before 07/01/1993) Form
The student for a PLUS Loan must be enrolled at an eligible school on at least a half-time basis during the period of the loan. At the time your Direct Loan was made, you must have had an outstanding balance on a Federal Family Education Loan (FFEL) Program loan which was made prior to July 1, 1993
PLUS Loan Student in Rehabilitation Deferment Form
The student for a PLUS Loan must be engaged in a licensed, certified or otherwise approved Rehabilitation Training program requiring a commitment so that the student cannot work 30 or more hours a week for at least three consecutive months. Other conditions must also be met.
Public Health Service Deferment Form
You must be serving full-time as an officer in the Commissioned Corps of the Public Health Service and meet other conditions.
Rehabilitation Training Deferment Form
You must be engaged in a full-time Rehabilitation Training Program and must meet other criteria.
Tax Exempt Organization Deferment Form
You must be serving full-time in an organization that is tax exempt, have agreed to serve at least one year, earn less than minimum wage, and must meet other conditions.
Teacher Shortage Area Deferment Form
You must be teaching full-time in a public or nonprofit private elementary or secondary school in a region, grade level, or discipline/subject matter defined as a shortage area by the U.S. Department of Education and other conditions must be met.
Temporary Total Disability Deferment Form
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).
Unemployment Deferment Form
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.
Working Mother Deferment Form
You must be the mother of a preschool age child, be working full-time but earning not more than $1 above minimum wage, and meet other conditions.
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