• Borrower Services: 
•  MANAGE   
•  Financial Aid

• Loan Program Information
• Payment Options
• IBR Information
• Forms
• Calculators
• Financial Literacy
• Contact Us

Borrower Portal

Manage your student loans online:

First time user?

Forgot your Username and Password?

Deferment

Deferment is a period of time, upon meeting certain qualifications, that you are entitled to not make payments towards your FFELP Loans. The Government pays the accrued interest on Subsidized loans during periods of deferment. You are responsible for the accrued interest on Unsubsidized Stafford, SLS, PLUS and Unsubsidized Consolidation Loans.

There are many deferment types available to you, depending on your situation. One qualifying factor is the disbursement date of your first outstanding FFELP loan. If you took out your first loan before July 1, 1993, you may be eligible for different deferments than if your first loan was disbursed after July 1, 1993.

Please click on each deferment for more information regarding the criteria and a general summary of the requirements for the selected deferment type.

Unemployment Deferment

• For borrowers who are unemployed and seeking full-time work and are having difficulty making their student loan payments.
  Download Application PDF (click here)

Economic Hardship Deferment

• For borrowers who are experiencing economic hardship and are having difficulty making their student loan payments.
  Download Application PDF (click here)

School Related Deferments

In-School Deferment

• For borrowers who have returned to school on at least a half-time basis.
  Download Application PDF (click here)

Education Related Deferment

• For borrowers who are engaged in a Graduate Fellowship program, a Rehabilitation Training program, an Internship/Residency program or are teaching in a designated Teacher Shortage area.
  Download Application PDF (click here)

Service Related Deferment

• Public Service Deferment

  For borrowers who are on active duty in the Armed Forces, serving full time as an officer in the Commissioned Corps of the Public Health Service or serving in the Peace Corps. Borrowers may also qualify if they are a full-time paid volunteer in the Action Programs, a full-time paid volunteer for a Tax Exempt Organization or are on active duty in the National Oceanic and Atmospheric Administration.
  Download Application PDF (click here)

Higher Education Reconciliation Act of 2005 Military Deferment

• For borrowers who are serving on active duty during a war or other military operation or national emergency or performing qualifying National Guard duty during those times.
  Download Application PDF (click here)

Other Deferments

Parental Leave/Working Mother Deferment

• For borrowers who are pregnant or caring for their newborn child, not working full-time or attending school during the deferment period, and have been enrolled at least half time within the six month period preceding the deferment period.

• Temporary Total Disability Deferment

  For borrowers with who are temporarily totally disabled and unable to work or attend school for at least 60 days.
  Download Application PDF (click here)

Forbearance

Forbearance is an agreement between the borrower and the lender/servicer to cease payments on your Federal Stafford or PLUS loan(s) for a period of time. Forbearance can be requested when you are experiencing difficulty in making your monthly payments and do not qualify for a deferment.

Interest will continue to accrue during this period and will be capitalized (added to the principal balance of the loan). Capitalization increases indebtedness and may increase your monthly payment amount.

Please click on the PLUS In-School Forbearance for more information regarding the criteria and requirements.

• Parent PLUS In-School Forbearance

To request forbearance for a Federal Stafford, SLS, Graduate PLUS Loan or Consolidation Loan, please use our contact form or call us at 1-800-719-0708.

Download Adobe Acrobat Reader