Deferments for the Pre-7/1/87 Loan Era
This
page describes deferments available to borrowers who first took out loans before 7/1/87.
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The deferment descriptions on this page contain links to the Common Deferment Forms used in the Federal Family Education Loan Program (FFELP). To view and print
these forms, you will need the free Adobe Acrobat Reader loaded onto your system. Click on the banner below to download the Adobe Acrobat Reader.
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Note: Our descriptions of various deferment types are intended as summaries only, to guide you toward deferments for which you may qualify. They are not intended to
exhaustively list all eligibility conditions or documentation requirements. Full descriptions of requirements can be found, however, on the deferment request forms that can be viewed and
printed through the links we provide. If you have any questions about the requirements listed in a form, please call us at 1 (888) 633-4850.
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If you borrowed the earliest of your outstanding student loans before July 1, 1987, the
following deferments may be available to you:
You may qualify for this deferment if you are enrolled
full-time at an eligible institution. “Eligible institution” means eligible to
participate in the Federal Family Education Loan Program (FFELP). It is up to your
school to determine what constitutes “full time." If you are the borrower of a PLUS (Parent) Loan, you may also
qualify for this deferment if the dependent student for whom you borrowed the loan returns to school full-time.
There is no time limit to this type of
deferment.
It continues to be
available to you as long as you meet its eligibility requirements.
You
can find a complete description of eligibility criteria on the SCH deferment request form. The form will also spell out any
documentation you are required to supply to your lender or servicer. To view and print a copy of the form, click on the button
below.
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You qualify for this deferment if you:
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Are unemployed or working less than 30 hours a
week; |
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Are
actively seeking full-time employment (30 hours a week or more) in any field ;
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Are
registered with an employment agency in the United
States;
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Have not already received this deferment for 24 months.
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The unemployment deferment is available for a maximum of 24 months
(two years) and must be renewed every six months.
You can find a complete description of eligibility criteria on the UNEM deferment
request form. The form will also spell out any documentation you are required to
supply to your lender or servicer. To view and print a copy of the form, click on
the button below.
Please also be sure to visit our Employment
Help page.
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You may qualify for this deferment if you are :
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On active duty with any branch of the U.S. Armed Forces (Army, Navy, Marines, Air Force,
or Coast Guard); or
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An officer in the U.S. Commissioned Corps of Public Health Service.
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This type of deferment is available for a maximum of 36
months and must be renewed
annually.
You can find a complete description of eligibility criteria on the PUB deferment
request form. The form will also spell out any documentation you are required to
supply to your lender or servicer. To view and print a copy of the form, click on
the button below.
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You may qualify for this deferment if you are engaged in, or accepted into, a
medical or dental internship or residency program that is required for licensing to begin professional practice, or if you are
serving in an internship or residency program that leads to a degree or certificate awarded by an institution of higher
education, hospital, or health care facility that offers post-graduate training.
This type of deferment is limited to a maximum of 24 months
(two years).
You can find a complete description of eligibility criteria on the EDU deferment
request form. The form will also spell out any documentation you are required to
supply to your lender or servicer. To view and print a copy of the form, click on
the button below.
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You may qualify for this deferment if you are serving full-time:
This type of deferment is available for a maximum of 36 months
(three years).
You can find a complete description of eligibility criteria on the PUB deferment
request form. The form will also spell out any documentation you are required to
supply to your lender or servicer. To view and print a copy of the form, click on
the button below.
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You qualify for this deferment if you are engaged in a
full-time course of study in a graduate fellowship program.
If you are the borrower of PLUS (Parent) Loan, you may also qualify for this deferment if the dependent student for whom you borrowed the loan is
engaged in a qualifying graduate fellowship program.
There is no time limit to this deferment: The deferment remains available to you as long
as you continue to meet eligibility criteria.
You can find a complete description of eligibility criteria on the EDU deferment request form. The form will also spell out any documentation you are required to supply to your lender or
servicer. To view and print a copy of the form, click on the button below.
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You may qualify for this deferment if you are temporarily and totally disabled. This means that your disability prevents you from holding gainful employment or attending school.
You may also qualify if you are caring for a disabled spouse or dependent who requires continuous nursing care.
You must be able to have a doctor of medicine
(MD) or doctor of osteopathy (DO)
certify your disability on the DIS request form (see link below). Also, if you
suffered from the same condition at the time you took out your student loan, you must be able to show that your condition has
significantly deteriorated since then.
This type of deferment is limited to a maximum of 36 months
(three years).
You can find a complete description of eligibility criteria on the
DIS request form. The form will also spell out any documentation you are required to supply to your lender or servicer. To view and print a copy of the form, click on the button below.
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You may qualify for this deferment if you are not working and you are:
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Pregnant; |
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Caring for a newborn child; or |
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Caring for a newly adopted child. |
Also, you must have attended school at least half-time during the past six months.
This type of deferment is limited to six months per occurrence. (You may use the deferment more
than once.)
You can find a complete description of eligibility criteria on the
PLWM deferment
request form. The form will also spell out any documentation you are required to
supply to your lender or servicer. To view and print a copy of the form, click on
the button below.
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You may qualify for this deferment if you are working less than 30 hours a week and are receiving, or are scheduled to
receive, training services from a rehabilitation agency. The agency you work with
must be recognized as a rehabilitation services provider by:
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A state agency for vocational
rehabilitation; |
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A drug or alcohol abuse treatment
program ;
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A mental health
service; or
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The Veterans’ Administration (VA).
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If you are the borrower of a PLUS (Parent) Loan, you may also qualify for this deferment if the dependent student for whom you borrowed the loan meets
the above qualifications.
There is no time limit to this
deferment. It is available to
you as long as you continue to receive training services as described above.
You can find a complete description of eligibility criteria on the EDU deferment
request form. The form will also spell out any documentation you are required to
supply to your lender or servicer. To view and print a copy of the form, click on
the button below.
Print the Form
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