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All forms on this site can be viewed and printed using Adobe's Acrobat
Reader, available free from Adobe.
Once you have completed a form, you may fax it to: 800/357-7912.
If you do not have easy access to a fax machine, visit our Fax
Links page.
Deferment for federal PLUS Borrowers
(dependent in school or in rehabilitation training)
Eligibility for this deferment is based on the disbursement date of your first loan. To be eligible for this deferment, the first disbursement must be prior to 07/01/1993 and the student for whom you borrowed must be dependent and enrolled at least halftime or engaged in a full-time rehabilitation program.
Download federal PLUS
borrower with dependent student deferment form (51k)
Economic hardship deferment
Use this form to apply for an economic hardship deferment if:
- You have economic hardship deferment under the Federal Direct
Loan Program or the Federal Perkins Loan Program; or
- You receive public assistance, such as Aid to Families with
Dependent Children, Supplemental Security Income, Food Stamps,
or state general public assistance; or
- You are serving as a Peace Corps volunteer; or
- You work full-time and your monthly gross income is no more
than the larger of the amounts listed below for your state (Worksheet
B can help you determine your eligibility); or
- You do not work full-time and you have a high-debt burden.
High debt burden exists if your monthly gross income does not
exceed twice the larger amount listed in the chart below for your
state and after deducting your total monthly payments for federal
education debt from your monthly gross income, the amount remaining
does not exceed the larger of the two amounts in the chart below
for your state. (Worksheet A can help you determine your eligibility);
or
- You work full-time and you have a high debt burden. High debt
burden exists if your total monthly education debt equals or exceeds
20% of your monthly gross income and the difference between your
monthly gross income and your monthly federal education debt is
less than 220% of the amounts listed in the chart below.
| (a) Federal Minimum Wage Rate ($5.15 an hour) |
$ 892.66 |
| (b) Poverty Line for a Family of Two: |
|
|
All States (except Alaska and Hawaii),
including District of Columbia |
$ 995.00 |
|
Alaska |
$1,244.17 |
|
Hawaii |
$1,145.00 |
If you meet the requirements for #5 or #6, download this worksheet
(56k). The worksheet is for your use only. Do not submit the worksheet
with your deferment form.
Download Economic hardship deferment
form (47k)
Education-related deferment
Eligibility for this deferment is based on the disbursement date of your first loan. To be eligible for this deferment, the first disbursement must be prior to 07/01/1993.
Use this form to qualify for a deferment if you are:
- Engaged in a full-time graduate fellowship program
- Engaged in full-time rehabilitation training program
- Engaged in an internship/residency program
- Teaching in a designated teacher shortage area
Download education-related
deferment form (56k)
Family deferment (parental leave/working
mother)
Eligibility for this deferment is based on the disbursement date of your first loan. To be eligible for this deferment, the first disbursement must be prior to 07/01/1993.
Use this form to apply for a deferment if you are on parental leave
or if you are a working mother.
To qualify for parental leave, you must be pregnant, caring
for your newborn child or newly adopted child; you must not be
working full time or attending school; and you must have been
enrolled in school at least half time during the six months preceding
this deferment.
To qualify as a working mother, you must have entered or re-entered
the workforce within one year preceding the deferment; you must
be working full time in a position earning not more than $1 above
the federal minimum wage; and you must be the mother of a child
who has not yet enrolled in first grade or a higher grade in elementary
school.
Download Parental Leave/Working
Mother deferment form (53k)
Forbearance
Forbearance is a temporary postponement or reduction of payments
for a period of time, if agreed by you and your lender, because
you are experiencing financial difficulty. Forbearance will provide
you relief from paying for certain periods and help you maintain
a good credit rating. However, your loan balance will increase since
interest will continue to accrue on your loan during forbearance
periods.
Download forbearance form (12k)
In-school deferment
This deferment applies to federal Stafford, federal SLS, federal
Consolidation, and federal PLUS borrowers. There is no time limit
for this deferment.
To defer repayment of your loan, you must be enrolled at an eligible
school as at least a half-time student.
Download in-school deferment form
(44k)
In-school deferment extension
This form is used to extend a deferment for an in-school (full-time
or half-time) or fellowship deferment from the end of an enrollment
period to the beginning of another to cover an academic vacation
period (e.g., summer break).
Download In-school deferment
extension for federal Stafford Loans form (4k)
Download In-school deferment
extension for federal PLUS Loans form (10k)
Public service deferment
Eligibility for deferments is based on the disbursement date of your first loan. To be eligible for this deferment, the first disbursement must be prior to 07/01/1993
Use this form to request a deferment while you are:
- On active duty in the Armed Forces of the United States
- Serving full time as an officer in the Commissioned Corps of
the Public Health Service
- On active duty in the National Oceanic and Atmospheric Administration
- Serving in the Peace Corps
- A full-time paid volunteer in the Action Programs
- A full-time paid volunteer for a tax-exempt organization
Download Public service deferment
form (54k)
Teacher Loan Forgiveness
Application
Eligibility for this deferment is based the borrower's
employment as a teacher in an eligible elementary or secondary
school.
Download Teacher
Loan Forgiveness Application (114k)
Temporary disability deferment
Use this form to apply for a deferment due to temporary total disability.
To qualify for deferment due to temporary disability:
- You must be unable to work and earn money or go to school for
at least 60 days in order to recover from an injury or illness.
An uncomplicated pregnancy is not an injury or illness. If you
are requesting this deferment based on a condition that existed
before you applied for the loan, your condition must have substantially
deteriorated.
- Your spouse or dependent requires at least 90 days of continuous
nursing or similar care from you, which prevents you from working
at least 30 hours per week.
- If your physician is uncertain if your disability will be permanent,
apply for a deferment. You may receive up to three years of deferment
for temporary total disability. If your disability is later determined
to be permanent, you may then qualify to have your loans canceled.
Download temporary disability
deferment form (53k)
Unemployment deferment
Use this form to apply for an unemployment deferment. To be eligible,
you must be conscientiously seeking but unable to find full-time
employment in the United States in any field or at any salary or
responsibility level. In addition you must:
- Provide documentation of your eligibility for unemployment benefits,
or
- Be registered with a private or public employment agency if
there is one within 50 miles of your permanent or temporary address,
and provide your lender/servicer with documentation of your conscientious
search for full-time employment during the preceding six months
(except in the case of the initial period of unemployment)
Download Unemployment deferment
form (53k)
Economic hardship deferment
Use this form to apply for an economic hardship deferment if:
- You have economic hardship deferment under the Federal Direct
Loan Program or the Federal Perkins Loan Program; or
- You receive public assistance, such as Aid to Families with
Dependent Children, Supplemental Security Income, Food Stamps,
or state general public assistance; or
- You are serving as a Peace Corps volunteer; or
- You work full-time and your monthly gross income is no more
than the larger of the amounts listed below for your state (Worksheet
B can help you determine your eligibility); or
- You do not work full-time and you have a high-debt burden.
High debt burden exists if your monthly gross income does not
exceed twice the larger amount listed in the chart below for your
state and after deducting your total monthly payments for federal
education debt from your monthly gross income, the amount remaining
does not exceed the larger of the two amounts in the chart below
for your state. (Worksheet A can help you determine your eligibility);
or
- You work full-time and you have a high debt burden. High debt
burden exists if your total monthly education debt equals or exceeds
20% of your monthly gross income and the difference between your
monthly gross income and your monthly federal education debt is
less than 220% of the amounts listed in the chart below.
| (a) Federal Minimum Wage Rate ($5.15 an hour) |
$ 892.66 |
| (b) Poverty Line for a Family of Two: |
|
|
All States (except Alaska and Hawaii),
including District of Columbia |
$ 995.00 |
|
Alaska |
$1,244.17 |
|
Hawaii |
$1,145.00 |
If you meet the requirements for #5 or #6, download this worksheet
(56k). The worksheet is for your use only. Do not submit the worksheet
with your deferment form.
Download Economic hardship deferment
form (47k)
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