| Deferment Condition |
All loans disbursed on or after
7/1/93 |
Federal Perkins Disbursed on or after 7/1/87 but before
7/1/93 |
National Direct disbursed on or after 10/1/80 but before
6/30/87 |
National Direct disbursed before 10/1/80 |
Notes |
| At Least Half-time student |
Yes |
Yes |
Yes |
Yes |
Form required for each quarter/sem. after official registration |
| Rehabilitation Training |
Yes |
Yes#* |
Yes#* |
Yes#* |
For disabled individuals |
| Graduate Fellowship |
Yes |
Yes#* |
Yes#* |
Yes#* |
Form required each year; Must be full time |
| Internship/residency |
No |
Two years* |
Two years* |
No |
Must be required to begin professional practice |
| Dental residency |
Yes |
Yes# |
Yes# |
No |
Must be required to begin professional practice |
| Inability to secure full-time job |
Three years |
Yes#* |
Yes# |
Yes# |
This form cannot be used for deferment-Contact your lender |
| Economic hardship |
Three years |
Yes#* |
Yes# |
Yes# |
This form cannot be used for deferment-Contact your lender |
| Full-time volunteer for tax-exempt org. |
No |
Three years* |
Three years* |
No |
On full-time active duty; entire enlistment required |
| Peace Corps/Action |
Yes+ |
Three years |
Three years |
Three years |
Entire enlistment required |
| U.S. Armed Services |
During war time, military operation or national emergency |
Three years |
Three years |
Three years |
Entire enlistment required |
| Service eligible for cancellation |
Yes+ |
Yes+ |
Yes+ |
Yes+ |
Use other side of form for teaching or employment deferment |
| Officer in PHS |
No |
Three years |
Three years |
No |
Commissioned Corps of Public Health Service |
| NOAAC |
No |
Three years* |
No |
No |
National Oceanic & Atmospheric Administration Corps |
| Temporary total disability borrower/spouse |
No |
Three years* |
Three years* |
No |
Cannot be employed or attending school |
| Care of totally disabled dependent |
No |
Three years* |
No |
No |
Cannot be employed or attending school |
| Mother returning to work |
No |
One year* |
No |
No |
Preschool children |
| Parental leave |
No |
Six months* |
No |
No |
Pregnancy, newborn or child adoption |
