Consolidation Loans—Deferments and Forbearances
Deferments are available based on eligibility (see below for details). Forbearances can be requested when you temporarily are unable to make your monthly payments and do not qualify for a deferment.
Deferment Eligibility
| Enrolled at least half-time at an eligible institution of higher education: |
No time limit |
| Enrolled in a graduate fellowship/rehabilitation training program: |
No time limit |
| Seeking but unable to find full-time employment: |
Up to 36 months |
| Experiencing economic hardship: |
Up to 36 months |
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