For additional information on your Perkins and/or Health Professions student loan(s), please see the fact sheets below. These fact sheets are provided by the U.S. Department of Education and are here for your reference.
Please use the table below to determine deferment eligibility for your Perkins/NDSL loan(s).
| 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 |
*Additional documentation required. Please contact servicer.
+Deferment is only for Federal Perkins cancellation period.