Deferment is a period when you postpone making payments on your loan. You are not responsible for paying accrued interest on subsidized federal loans during most deferments. You typically remain responsible for interest that accrues on your unsubsidized loans.
You may be eligible if you are receiving treatment for cancer.
If you're having temporary issues making your student loan payments due to economic hardship or serving in the Peace Corps, you may be eligible for up to three years of deferment.
You're eligible if you're enrolled at an eligible school at least half time or in a graduate fellowship program. A Parent PLUS Loan may also be eligible if the student is enrolled in school at least half time. There is a deferment for Health Education Assistance Loan (HEAL) borrowers as well.
Military Service and Post-Active Duty
You can postpone federal loan payments if you are an eligible servicemember serving active duty during a war, military operation, or national emergency. For Post-Active Duty, you may be eligible if you were serving active duty in connection with a war, military operation, or national emergency, for the 13-month period following the conclusion of that service, or until you return to college or career school on at least a half-time basis, whichever is earlier.
Rehabilitation Training Program
You may be eligible if you are enrolled in an approved rehabilitation training program for the disabled.
If you're unemployed, or working less than 30 hours per week, and seeking full-time employment, you may be eligible for up to three years of deferment.
Do you have pre-1993 loans?
If you are a Direct Loan borrower who had a balance on a FFELP loan that was made before July 1, 1993 at the time you received your ﬁrst Direct Loan, or if you are a FFELP loan borrower who received loans before July 1, 1993, you may be eligible for additional deferments or your deferment options may be diﬀerent from the deferments described above.
Find out more about deferments for older loans