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Step 1
Fill out an In School Deferment Request form and submit it to your lender if you attend an eligible school as a full-time student or attend as at least a half-time student if you do not owe on certain prior FFEL Program loans.
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Step 2
Apply for an Economic Hardship Deferment when you receive funds from government public assistance, if in the Peace Corp or if your federal education loans total more than a certain portion of your income.
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Step 3
Request Unemployment Deferment if unemployed, you work less than 30 hours a week and seek full-time work or if you're eligible for unemployment benefits.
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Step 4
Submit a Temporary Total Disability Deferment Request when you, a spouse or a dependent that you take care of become totally disabled.
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Step 5
Present an Education Related Deferment Request if you teach in certain teacher shortage areas, study full-time in a Graduate Fellowship program, participate full-time in a Rehabilitation Training program or participate in certain Internship/Residency programs.
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Step 6
Ask for a deferment with the Parental Leave/Working Mother Deferment Request when pregnant or to fulfill other parenting obligations that meet certain criteria.
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Step 7
Give the Plus Borrower With Dependent Student Deferment Request if you have a dependent student who attends an eligible school full time or who participates in a full-time rehabilitation program.












