For Federal Family Education Loan Program and Federal Direct Loan Program Loans disbursed beginning July 1, 1993
| Deferment Type |
Form |
Time Limit |
Stafford |
SLS |
PLUS |
Consolidation |
Active Duty
Active Duty
A deferment for borrowers returning from active duty who were enrolled at least half time in an eligible institution prior to being called or ordered to active duty (doesn’t require activation during a war, military operation, or national emergency). The active duty deferment runs concurrently with the 180-day deferment period following the demobilization date allowed under the military deferment.
|
MIL: English |
13 months |
X |
X |
X |
X |
Economic Hardship
Economic Hardship Deferment
A deferment for borrowers who earn less than minimum wage or exceed a federally defined
debt-to-income ratio. A borrower also may be eligible if he or she is receiving state or
federal aid.
|
New HRD: English, Spanish |
36 months |
X |
X |
X |
X |
Graduate Fellowship
Graduate Fellowship Deferment
A deferment for borrowers engaged in a fulltime course of study in a Graduate Fellowship
program. The borrower must already hold at least a bachelor´s degree. The Graduate
Fellowship program must provide the borrower with sufficient financial support to study full
time for at least six months. A program official must certify the borrower´s participation
in the program.
|
EDU: English, Spanish |
|
X |
X |
X |
X |
In-School Full Time
In-School Full Time Deferment
A deferment for borrowers who are attending school full time (as defined by the school).
In order to be considered eligible, a school must be an institution of higher education and
be eligible to participate in Title IV financial assistance programs. A school official must
certify the dates of attendance and enrollment status. (Note: The school can verify if it is
an eligible institution and be able to certify enrollment.)
|
SCH: English, Spanish |
|
X |
X |
X |
X |
In-School Half Time
In-School Half Time Deferment
A deferment for borrowers who are attending school half time (as defined by the school).
In order to be considered eligible, a school must be an institution of higher education
and be eligible to participate in Title IV financial assistance programs. A school official
must certify the dates and level of attendance. (Note: The school can verify if it is an
eligible institution and be able to certify enrollment.)
|
SCH: English, Spanish |
|
X |
X |
X |
X |
Military Service
Military Service Deferment
A deferment for borrowers who are serving on active duty or qualifying National
Guard during a war, military operation, or national emergency and during the
180-day period following the demobilization date.
|
MIL: English |
|
X |
X |
X |
X |
Rehabilitation Training
Rehabilitation Training Deferment
A deferment for borrowers engaged in a fulltime Rehabilitation Training program.
The borrower must be taking part in a fulltime program of vocational
rehabilitation, drug or alcohol abuse treatment, mental health treatment, or a
rehabilitation program through the Department of Veterans Affairs. A program official
must certify participation in the program. The program must be licensed, certified, or
otherwise recognized as providing rehabilitation training
by a responsible state agency.
|
EDU: English, Spanish |
|
X |
X |
X |
X |
Unemployment
Unemployment Deferment
A deferment available to borrowers who are conscientiously seeking, but
unable to find, full-time employment in the United States. Full-time
employment is defined as at least 30 hours per week that is expected to
last at least three months. The borrower must be registered with an employment
agency or be receiving unemployment benefits. (Note: A borrower is not eligible
for an unemployment deferment if he or she refuses to consider positions,
salaries, or responsibility levels for which he or she feels overly qualified due
to education or experience.)
|
UNEM: English, Spanish |
36 months |
X |
X |
X |
X |
