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Deferment Forms Available
A deferment is a period of time during repayment in which the borrower, upon meeting
certain conditions, is not required to make payments of loan principal. Interest does
continue to accrue during these periods of deferment. For some loans, the federal
government pays the interest during the deferment. On others the borrower is responsible
for the accrued interest either by making monthly interest payments or having the interest
A forbearance is a period of time during repayment in which the borrower is not required
to make payments; however, interest continues to accrue and will be capitalized to the loan
balance unless interest payments are made during the period of the forbearance. There are two types
of forbearance; discretionary and mandatory. Discretionary is granted at the lenders discretion.
You may request a discretionary forbearance for a period of financial hardship or illness utilizing the
forbearance form below. For information concerning a mandatory forbearance, please contact the
servicer of your loans.