The Graduate Fellowship Deferment is for borrowers enrolled in a full‐time course of study in a graduate fellowship program.

There is no maximum time for this deferment. However, the deferment is granted through the certified end date. If you are still enrolled in the graduate fellowship program when the deferment ends, you must complete a new deferment form to verify you are still eligible.

Qualifications:

• Must have a bachelor’s degree.
• Have been accepted or recommended by an institution of higher education for acceptance into a graduate fellowship program on a full-time basis.
• Your graduate fellowship program:
  • Provides sufficient financial support to allow for full-time study for a period of at least 6 months.
  • Requires a written statement from you that explains your objectives, before the awarding of financial support.
  • Requires you to submit periodic reports, projects, or other evidence of your progress.
  • Accepts course of study from foreign universities towards the completion of the fellowship program.

The Rehabilitation Training Deferment is for borrowers enrolled in a full-time rehabilitation training program.

There is no maximum time for this deferment. However the deferment is granted through the certified end date. If you are still enrolled in the rehabilitation training program when the deferment ends, you must complete a new deferment form to verify you are still eligible.

Qualifications:

• Your program is licensed, approved, certified or recognized as providing rehabilitation training to disabled individuals by the Department of Veterans Affairs or a state agency responsible for vocational rehabilitation, drug abuse treatment, mental health treatment, or alcohol abuse treatment.
• Your training program must provide services under a written, individualized plan that specifies the date the services are expected to end.
• Your program requires a substantial commitment by you to your rehabilitation.
  • Substantial commitment means a commitment of time and effort that would normally prevent a person from being employed 30 hours or more per week in a position expected to last at least three months.

The In-School Deferment is for borrowers who are attending an eligible school either full-time or at least half-time.

There is no maximum time for this deferment. However, the deferment is granted through the certified end date. If you are still enrolled at least half-time when the deferment ends, you must complete a new deferment form to verify you are still eligible.

Qualifications:

• You must be attending an eligible school at least half-time.

The Military Service Deferment is for borrowers serving on active duty military service or National Guard duty, during a war or other military operation, or a national emergency and for an additional 180 days following the completion of qualifying military service.

There is no maximum time for this deferment. However, the deferment is granted through the certified end date. If your service is extended, you must complete a new deferment form to verify you are still eligible.

**IMPORTANT** If you have loans that were disbursed prior to starting active duty military service, you may be eligible to limit the interest rate on your student loans to 6% during the period of your active duty military service under the Servicemembers Civil Relief Act (SCRA). Contact us at 800-693-8220 800-693-8220 to see if you qualify.

Qualifications:

• You are serving or returning from active duty in connection with a war, other military operation or a national emergency, including qualifying National Guard duty. This does not include active duty for training or attendance at a service school.

The Post‐Active Duty Student Deferment is a deferment for borrowers who have completed their active duty military service and were called to active duty at the time of, or within six months of attending school at least half-time.

The maximum time for this deferment is 13 months following the completion of your active duty military service and any applicable grace period or until the date you resume enrollment at an eligible school on at least a half-time basis.

Qualifications:

• You are a member of the National Guard or other reserve component of the Armed Forces or a retired member when called to active duty.
• Your service includes a period on or after October 1, 2007.
• You were enrolled at least half-time at an eligible school when you were called to active duty or within six months before the date you were called to active duty.

The Parent PLUS Borrower Deferment is for a parent borrower, whose dependent student for whom the loan was borrowed, is attending an eligible school on at least a half‐time basis.

There is no maximum time for this deferment. However the deferment is granted through the certified end date. If the benefitting student still meets the enrollment qualifications below at the time the deferment ends, you must complete a new deferment form to verify you are still eligible.

Qualifications:

• For PLUS loans first disbursed on or after July 1, 2008, the dependent student must be enrolled at least half-time at an eligible school. Repayment may also be deferred (only on PLUS loans first disbursed after July 1, 2008) during the six month period after the benefitting student is no longer attending an eligible school on at least a half-time basis.
• For PLUS loans first disbursed on or after July 1, 1987 and before July 1, 1993, the dependent student must be enrolled full-time at an eligible school.
• For PLUS loans first disbursed prior to July 1, 1987, and had an outstanding balance on or after July 1, 1987, the dependent student must be enrolled at least half-time at an eligible school.

This deferment is for borrowers who are temporarily totally disabled or are unable to secure full-time employment because they are caring for a spouse or dependent who is temporarily totally disabled.

The maximum cumulative time allowed for this deferment is 36 months. The deferment will only be granted in six-month increments. If additional time is required, you must complete a new deferment request to verify you are still eligible.

Qualifications:

• Your loan must have been first disbursed before July 1, 1993 or had a balance on a FFEL loan first disbursed before July 1, 1993 when you obtained a new loan on or after July 1, 1993.
• You, your spouse or dependent is temporarily totally disabled.
• You are unable to work and earn money or go to school for at least 60 days to recover from an injury or illness.

The Cancer Treatment Deferment is for borrowers who are receiving cancer treatment.

There is no maximum time limit for this deferment. You may receive forbearance for loans that are not eligible for this deferment.

Qualifications:

• This deferment only applies to loans made on or after September 28, 2018, or loans which entered repayment on or before September 28, 2018. This deferment cannot be granted for a period of treatment before September 28, 2018.
• Loans which were made before September 28, 2018, but were in an in-grace or in-school status are not eligible for this deferment and will not become eligible when they enter repayment.
• A Doctor of Medicine or Osteopathy who is legally authorized to practice medicine must provide certification of treatment in the physician's care and the dates of treatment.
• This deferment will be granted in one-year increments, followed by a six-month post-treatment deferment period. If the treatment period last longer than 12 months, a new deferment request will need to be completed to verify you are eligible to remain in this deferment status.

To avoid processing delays, the completed deferment form can be faxed to us at (502)329-7077, mailed to our correspondence address, or a scanned copy may be uploaded on our website.

The Service Forbearance is for borrowers who do not qualify for a military service deferment or who are participating in the Department of Defense Student Loan Repayment Program. This forbearance request is also used for borrowers who are participating in a Medical or Dental Internship/Residency.

Instead of forbearance, you may want to consider requesting a payment plan that determines your monthly payment amount based on your income. During a period of forbearance, interest will continue to accrue. You can make interest payments during this time. Any unpaid interest may be capitalized (added to the principal balance) and may result in an increased payment amount. This will increase the total overall cost of the loan.

There is no maximum time for this forbearance. However, the forbearance is granted through the certified end date. If you still meet the qualifications below when the forbearance ends, you must complete a new forbearance form to verify you are still eligible.

Qualifications:

• Medical or Dental Internship/Residency

  • You have been accepted into an internship/residency.
  • Your program requires that you have a bachelor’s degree.
  • You must receive supervised training in your internship/residency program.
  • Your program must lead to a degree or certificate awarded by an institution of higher education, a hospital, or a health care facility that offers postgraduate training.
  • You must be required to complete the program before you can begin professional practice or service.

• National Guard Duty

  • You are a member of the National Guard.
  • You are engaged in active state duty for a period of more than 30 consecutive days because a governor activated you based on state statute or policy.
  • You are engaged in active state duty for a period of more than 30 consecutive days because a governor activated you with the approval of the President or the U.S. Secretary of Defense.
  • You were not activated within six months after the last date on which you were enrolled at least half-time at an eligible school.

• Department of Defense Student Loan Repayment Program

  You are performing service that qualifies you for a partial repayment of your loans under any Department of Defense Student Loan Repayment Program.

Apply for a Service Forbearance.

Qualifications:

• You must be serving in a national emergency and assigned to a military operation declared by the President or Congress. This does not include training or attendance at a service school. This also requires a reassignment of duty location from which you are normally assigned.

Apply for a Military Forbearance - Private Loan.