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.


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