Deferment Eligibility Chart
|
Deferment Type
|
Time Limit
|
Stafford and SLS Loans
|
PLUS Loans
|
Consolidation Loans
|
|
Borrower-Based
Deferments
|
Pre 7/1/87
Borrower
|
New1
Borrower 7/1/87 to 6/30/93
|
New2
Borrower 7/1/93
|
Loans Before
8/15/83
|
Pre 7/1/87
Borrower
|
New1
Borrower 7/1/87 to 6/30/93
|
New2
Borrower 7/1/93
|
Pre 7/1/93
Borrower8
|
New Borrower
7/1/939
|
|
In-School: Full Time
|
None
|
•
|
•
|
•
|
•
|
•
|
•
|
•
|
•
|
•
|
|
In-School: Half Time7
|
None
|
|
•
|
•
|
|
|
•
|
•
|
•
|
•
|
|
Graduate Fellowship
|
None
|
•
|
•
|
•
|
•
|
•
|
•
|
•
|
•
|
•
|
|
Rehabilitation Training
|
None
|
•
|
•
|
•
|
•
|
•
|
•
|
•
|
•
|
•
|
|
Teacher Shortage
|
3 Years
|
|
•
|
|
|
|
|
|
|
|
|
Internship/Residency Training
|
2 Years
|
•
|
•
|
|
•
|
|
|
|
|
|
|
Temporary Total Disability3
|
3 Years
|
•
|
•
|
|
•
|
•
|
•
|
|
•
|
|
|
Armed Forces or Public Health Services4
|
3 Years
|
•
|
•
|
|
•
|
|
|
|
|
|
|
National Oceanic and Atmospheric Administration Corps4
|
3 Years
|
|
•
|
|
|
|
|
|
|
|
|
Peace Corps, ACTION Program and Tax-Exempt Organization Volunteer
|
3 Years
|
•
|
•
|
|
•
|
|
|
|
|
|
|
Unemployment
|
2 Years
|
•
|
•
|
|
•
|
•
|
•
|
|
•
|
|
|
Unemployment
|
3 Years
|
|
|
•
|
|
|
|
•
|
|
•
|
|
Parental Leave5
|
6 Months
|
•
|
•
|
|
|
|
|
|
|
|
|
Mother Entering/Reentering Work Force
|
1 Year
|
|
•
|
|
|
|
|
|
|
|
|
Economic Hardship
|
3 Years
|
|
|
•
|
|
|
|
•
|
|
•
|
|
PLUS In-School:
Full Time
|
None
|
|
|
|
|
|
•
|
|
|
|
|
PLUS In-School:
Half Time
|
None
|
|
|
|
|
|
•
|
|
|
|
|
PLUS Rehabilitation Training
|
None
|
|
|
|
•
|
•
|
•
|
|
|
|
|
Loan-Based
Deferments
|
Stafford Loans
|
PLUS Loans
|
Consolidation Loans
|
|
Military
|
3 Years
|
Loans first disbursed on or
after 7/1/2001
|
Loans first disbursed on or
after 7/1/2001
|
All underlying Title IV
loans must have been first disbursed on or after 7/1/2001
|
1 "New Borrower" 7/1/87 to
6/30/93: A borrower whose first FFELP loan was made on or after July 1, 1987,
and before July 1, 1993, or who had an outstanding balance on a loan obtained on
or after July 1, 1987, and before July 1, 1993, when he or she obtained a loan
on or after July 1, 1993, or who had no outstanding balance on a Federal
Consolidation loan made before July 1, 1993, that repaid a loan first disbursed
before July 1, 1987.
2 "New Borrower" 7/1/93: A
borrower whose outstanding FFELP loans were all made on or after July 1, 1993,
and when his or her first FFELP loan was made on or after July 1, 1993, had no
outstanding FFELP loans that were made before July 1, 1993.
3 A deferment may be granted
during periods when the borrower is temporarily totally disabled or during which
the borrower is unable to secure employment because the borrower is caring for a
dependent (including the borrower's spouse) who is temporarily totally disabled.
4 Borrower are eligible for a
combined maximum of 3 years of deferment for service in NOAA, PHS, and Armed
Forces.
5 A parental leave deferment
may be granted to a borrower in periods of no more than 6 months each time the
borrower qualifies.
6 Deferment for a parent
borrower during which the dependent student for whom the parent obtained a PLUS
loan meets the deferment eligibility requirements.
7 A borrower who received a
Federal Consolidation loan before July 1, 1993, that repaid a loan made before
July 1, 1987, or who had an outstanding balance on a FFELP loan obtained prior
to July 1, 1987, when the Federal Consolidation loan was obtained, is eligible
for in-school deferment only if the borrower attends school full time.
8 A borrower with a Federal
Consolidation loan made before July 1, 1993, or a borrower who receives a
Consolidation loan on or after July 1, 1993, who has any outstanding FFELP
loan(s) at the time of consolidation that was first disbursed before July 1,
1993.
9 A borrower who receives a
Federal Consolidation loan made on or after July 1, 1993, who has no outstanding
FFELP loans at the time of consolidation that were made on or before July 1,
1993.