Download Deferment and Forbearance Forms

Deferments and forbearances are temporary suspensions of the obligation to repay federal student 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 student 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)

Parent PLUS Loan borrowers who are themselves enrolled in college may use this form to obtain a six-month grace period on the Parent PLUS Loan after they drop below half-time enrollment (for 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 student loan that was first disbursed before 7/1/1993 or had an outstanding balance on at least one federal student 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
 

Graduate Fellowship Deferment

  • Engaged in a full-time course of study in a Graduate Fellowship program

Rehabilitation Training Deferment

  • Engaged in a full-time rehabilitation training program

Parent PLUS Borrower Deferment (PLUS)

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

For 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 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 Parent PLUS Loan is engaged full-time in a rehabilitation training program 

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 student loans equals or exceeds 20% of the borrower’s total monthly income.

These forms are in Adobe Acrobat format (PDF). Click here to download and install Adobe Acrobat Reader.

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Have you been employed for at least 2 years?
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* Default = 270 days late/missed payment on a federal loan and typically 90 days late/missed payment on a private loan (contact your lender for exact definition of default).

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