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.

    Loan Fact Sheets

    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.