Deferment and Forbearance Forms

Deferments and forbearances are temporary suspensions of the obligation to repay federal education loans. To apply for a deferment or forbearance, the borrower must send the correct form to the loan's servicer. The most common deferment and forbearance forms can be found below.

Continue making payments on the loans until the servicer sends written confirmation that the deferment or forbearance has been approved. If the borrower stops making payments before the deferment or forbearance is approved, the loan could go into default. Defaulted federal education loans are not eligible for deferments and forbearances.



Form Requirements

In-School Deferment (SCH)

Solicitud de Aplazamiento de Pago en la Institución Educativa

Borrower is enrolled at an eligible school

  • As a full-time student, or
  • Less than full-time but at least half-time (for borrowers who, on the date they signed the promissory note, did not have an outstanding balance on a Federal Family Educational Loan (FFEL) program loan made before July 1, 1987)

Federal Parent PLUS loan borrowers who are themselves enrolled in college may use this form to obtain a six-month grace period on the Federal Parent PLUS loan after they drop below half-time enrollment (for Federal Parent PLUS loans first disbursed on or after 7/1/2008)

Economic Hardship Deferment (HRD)

Solicitud de Aplazamiento de Pago por Dificultades Económicas

Borrower is experiencing financial hardship:

  • Receiving payments under federal or state public assistance (e.g., TANF, SSI, SNAP)
  • Serving (or will be serving) as a Peace Corps volunteer
  • Working full-time and monthly income is less than the federal minimum wage or 150% of the federal poverty line for the family size and state, whichever is larger

Unemployment Deferment (UNEM)

Solicitud de Aplazamiento de Pago por Desempleo

  • Borrower documents eligibility for or receipt of unemployment benefits, or
  • Borrower is unemployed or working less than 30 hours per week and diligently seeking full-time employment and registered with a public or private employment agency if one exists within 50 miles of the borrower's current address

Temporary Total Disability Deferment (TDIS)

Solicitud de Aplazamiento de Pago por Incapacidad Total Temporal

Borrower must have an outstanding balance on a federal education loan that was first disbursed before 7/1/1993 or had an outstanding balance on at least one federal education loan made before 7/1/1993 when the borrower received a loan first disbursed on or after 7/1/1993 and

  • Borrower is temporarily totally disabled, or
  • Borrower is unable to secure or maintain employment because borrower is caring for a spouse or dependent who is temporarily totally disabled

Education-Related Deferment (EDU)

Solicitud De Aplazamiento De Pago Por Estudios O Docencia

  • Engaged in a full-time course of study in a Graduate Fellowship program
  • Engaged in a full-time rehabilitation training program
  • Engaged in an Internship/Residency program (for borrowers with an outstanding balance on at least one FFEL program loan that was made before July 1, 1993; Federal PLUS loan borrowers qualify only if the loan was made before August 15, 1993)
  • Teaching in a designated teacher shortage area (for Federal Stafford or SLS borrowers whose first loans were made on or after July 1, 1987 and before July 1, 1993)

Parental Leave / Working Mother Deferment (PLWM)

Solicitud de Aplazamiento de Pago por Permiso por Maternidad O Paternidad / Ser Madre Que Trabaja

Borrower must have an outstanding balance on at least one federal student loan that was first disbursed before 7/1/1993 or, for FFEL program loans only, had a balance on a loan made before 7/1/1993 when the borrower received a loan on or after 7/1/1993. Federal PLUS and consolidation loans are not eligible.

  • Parental Leave. Borrower is pregnant, caring for a newborn child (< 6 months old) or caring for a newly adopted child and is not working full-time or attending school during the deferment period and was enrolled in school at least half-time within the six-month period preceding this deferment.
  • Working Mother. Borrower entered or reentered the workforce within one year preceding this deferment and is working full-time (30 or more hours per week in a position expected to last for at least 3 months) in a position earning not more than $1 per hour above the federal minimum wage and is the mother of a preschool-age child. Federal Stafford and SLS loans in the FFEL program are eligible only if the borrower's first FFEL Program loan was first disbursed on or after 7/1/1987 and before 7/1/1993.

Parent PLUS Borrower Deferment (PLUS)

Solicitud de Aplazamiento de Pago Para Padres Prestatarios de un Préstamo Plus

For Federal Parent PLUS loan borrowers whose loan was first disbursed on or after 7/1/2008:

  • While the dependent student is enrolled at least half-time at an eligible school and during the 6-month period after the student graduates or drops below half-time enrollment

For Federal Parent PLUS loan borrowers whose loan was first disbursed on or after 7/1/1987 and before 7/1/1993 or who had an outstanding balance on a FFEL program loan first disbursed before 7/1/1993 when a loan was obtained on or after 7/1/1993:

  • While the dependent student is enrolled at least half-time at an eligible school (full-time only for borrowers who were new borrowers as of 7/1/1987)
  • While the dependent student on whose behalf the parent borrowed the Federal Parent PLUS loan is engaged full-time in a rehabilitation training program

Public Service Deferment (PUB)

Solicitud de Aplazamiento de Pago por Servicio Público

Borrower must have an outstanding balance on at least one federal student loa n in the FFEL program that was first disbursed before 7/1/1993 or had a balance on a FFEL program loan made before 7/1/1993 when the borrower received a federal education loan on or after 7/1/1993.

  • Borrower is on active duty in the U.S. Armed Forces and is requesting that the loan holder limit the borrower's interest rate under the Servicemembers Civil Relief Act
  • Borrower is serving full-time as an officer in the Commissioned Corps of the Public Health Service
  • Borrower is serving in the Peace Corps
  • Borrower is a full-time paid volunteer in the Action Programs
  • Borrower is a full-time paid volunteer for a Tax-Exempt Organization
  • Borrower is on active duty in the National Oceanic and Atmospheric Administration (NOAA) (for FFEL program loans only, if Federal Stafford or SLS loan was first disbursed on or after 7/1/1987 and before 7/1/1993 or had a balance on such a loan when a loan was first disbursed on or after 7/1/1993). Federal PLUS loans are not eligible for the NOAA deferment.
  • Except for FFEL PLUS loans disbursed before 8/15/1983, Federal PLUS loans are not eligible for the public service deferments.
  • Federal consolidation loans are not eligible for a Public Service Deferment

Military Service and Post-Active Duty Student Deferment (MIL)

  • Military Service Deferment. For the duration of qualifying military service (may be limited to 60 months) and ending 180 days after the completion of the military service.
  • Post-Active Duty Student Deferment. For the period beginning with the completion of qualifying active duty service and any applicable grace period, ending when the borrower resumes enrollment at an eligible school on at least a half-time basis or 13 months following completion of active duty service and any applicable grace period.

General Forbearance (GFB)

Solicitud General de Suspensión Temporal de Cobro

  • Borrower is willing to repay the loans but is unable to do so due to a temporary hardship, such as financial difficulties, change in employment or medical circumstances.

Teacher Loan Forgiveness Forbearance (TLFF)

Solicitud de Condonación de la Deuda Estudiantil de Maestros

  • Borrower is performing qualifying service as a full-time teacher at an elementary or secondary school or educational service agency.
  • Borrower must be a new borrower as of 10/1/1998, meaning that the borrower does not have any loans made before 10/1/1998 and did not have any loans made before this date on the date the borrower received a loan on or after 10/1/1998.
  • Administrative staff, such school librarians and guidance counselors, are not eligible.

Mandatory Forbearance - Medical/Dental Internship/Residency, National Guard Duty, DoD Loan Repayment Program (SERV)

Solicitud de Suspensión Temporal de Cobro Obligatoria

  • Borrower is in a medical or dental internship or residency program and is either not eligible for or has exhausted eligibility for a deferment.
  • Borrower is a member of the National Guard who has been called to active duty status by the governor for a period of more than 30 consecutive days and qualifies for a post-active duty student deferment but does not qualify for a military service deferment.
  • Borrower is performing service that qualifies for partial repayment under the U.S. Department of Defense Student Loan Repayment Program.

Mandatory Forbearance - Student Loan Debt Burden (SLDB)

Solicitud de Suspensión Temporal de Cobro Obligatoria Carga de la Deuda de Préstamos Para Estudiantes

  • The total monthly payment on the borrower's eligible federal education loans equals or exceeds 20% of the borrower's total monthly income.

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