Deferring your Previous Student Loans

Deferment is a way that you can postpone payments on a previous student loan. Different loans have different types of deferment options available.  Not all loans have deferment options.

You must qualify for a deferment, the lender is not obligated to grant the deferment. You apply for a deferment by contacting the servicer of your loan.


  • deferments are not automatic, you must apply and qualify on an annual basis
  • subsidized loans do not accrue interest during deferment
  • interest accrues for unsubsidized loans
  • request deferment from servicer or download forms from servicer website
  • completing forms correctly is crucial to accurate processing