Federal Loan Facts
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.
- Federal Perkins Student Loans Fact Sheet
- Borrowers Rights and Responsibilities
- Health Professions Student Loans Fact Sheet (HPSL,LDS,PCL)
- Federal Perkins Master Promissory Note (MPN)
Please use the table below to determine deferment eligibility for your Perkins/NDSL loan(s).
|Deferment Condition||All loans disbursed on or after
|Federal Perkins disbursed on or after 7/1/87 but before
|National Direct disbursed on or after 10/1/80 but before
|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.