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Deferments and Forbearances
  • A deferment is a period of time during which your loan holder suspends your regular loan payments.
  • Forbearance is way to temporarily lower or postpone your federal student loan payments.
  • There are several types of deferments and forbearances available. You should contact your lender to see if you qualify for one.
  • Some Guidelines to keep in mind:
    • the borrower must not be in default to receive a deferment or forbearance
    • interest may continue to accrue
    • receiving a deferment and forbearances are not automatic you must apply




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Deferments
Applying for Deferment

You must apply for a deferment.

  • Keep a copy of your deferment application.
  • DO NOT stop making payments until you have official notification that your request for a deferment is approved.




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Forbearance
Applying for a forbearance
  • Contact your loan holder to request a forbearance
  • Keep a copy of your forbearance application if you're required to submit one
  • Do not stop making payments until you have official notification that your request for forbearance is approved
  • Most loan holders are willing to help you through tough times, as long as you notify them early, while you're still making payments, and before you default on your loan
 

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