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HomeManage LoansLower or Suspend Student Loan PaymentsGet Temporary Relief:
Deferment and ForbearanceStudent Loan Forbearance


STUDENT LOAN FORBEARANCE

ON THIS PAGE

Consider an IDR Plan First
Delayed Progress Toward Forgiveness
Interest Accrues During a Forbearance
How to Apply for a Forbearance
General Forbearance
Mandatory Forbearance
ON THIS PAGE


Consider an IDR Plan First
Delayed Progress Toward Forgiveness
Interest Accrues During a Forbearance
How to Apply for a Forbearance
General Forbearance
Mandatory Forbearance

With forbearance, you won’t have to make a payment, or you can temporarily make
a smaller payment. However, you probably won’t be making any progress toward
forgiveness or paying back your loan. As an alternative, consider income-driven
repayment.

You have a limited amount of forbearance available. Save it for when you really
need it.


CONSIDER AN IDR PLAN FIRST

Income-driven repayment (IDR) plans base your monthly payments on your income
and family size. In some cases, your payment could be as low as $0 per month.


DELAYED PROGRESS TOWARD FORGIVENESS

If you’re seeking Public Service Loan Forgiveness (PSLF) or income-driven
repayment forgiveness, forbearance will not allow you to make progress toward
forgiveness.


INTEREST ACCRUES DURING A FORBEARANCE

If you get a forbearance, you’re still responsible for the interest that accrues
while you’re not making payments. After your forbearance ends, you’ll pay off
your accrued interest through normal monthly payments. For most loan types,
interest won’t capitalize at the end of a forbearance.

Exception: Unpaid interest does capitalize after a forbearance on Federal Family
Education Loan (FFEL) Program loans that are not managed by the U.S. Department
of Education (ED).


FFEL PROGRAM LOANS NOT MANAGED BY ED

You can either


 A. pay the interest as it accrues or
 B. allow it to accrue and be capitalized (added to your loan principal balance)
    at the end of the forbearance period.

If you do option B, the total amount you repay over the life of your loan may be
higher.




HOW TO APPLY FOR A FORBEARANCE

Most types of forbearance are not automatic. To apply for a forbearance, you
must

 1. identify which type of forbearance you’re requesting;
 2. fill out the form for that forbearance type;
 3. gather any documents needed to show that you meet the eligibility
    requirements for that forbearance type; and
 4. send the filled-out form and documents to your federal student loan
    servicer.

Find links to the forms under the forbearance types listed below. There are two
main categories of forbearance: general and mandatory.




GENERAL FORBEARANCE

Your loan servicer decides whether to grant a request for a general forbearance.
For this reason, a general forbearance is sometimes called a “discretionary
forbearance.”

You can request a general forbearance if you are temporarily unable to make your
scheduled monthly loan payments for the following reasons:

 * Financial difficulties

 * Medical expenses

 * Change in employment

 * Other reasons acceptable to your loan servicer

   


LOAN PROGRAMS ELIGIBLE FOR GENERAL FORBEARANCE

General forbearances are available for Direct Loans, Federal Family Education
(FFEL) Program loans, and Perkins Loans.


DURATION OF A GENERAL FORBEARANCE

For loans made under all three programs, a general forbearance may be granted
for no more than 12 months at a time. If you’re still experiencing a hardship
when your current forbearance expires, you may request another general
forbearance. However, there is a cumulative limit on general forbearances of
three years.

For more information, review the General Forbearance Request.


MANDATORY FORBEARANCE

If you meet the eligibility requirements for a mandatory forbearance, your loan
servicer is required to grant the forbearance. You may be eligible for a
mandatory forbearance in the following circumstances.

Note: The mandatory forbearances discussed below apply only to Direct Loans and
FFEL Program loans unless otherwise noted.

AmeriCorps

You are serving in an AmeriCorps position for which you received a national
service award.

Request an AmeriCorps forbearance.

Department of Defense Student Loan Repayment Program

You qualify for partial repayment of your loans under the U.S. Department of
Defense Student Loan Repayment Program.

Complete the Mandatory Forbearance Request: Medical or Dental
Internship/Residency, National Guard Duty, or Department of Defense Student Loan
Repayment Program.

Medical or Dental Internship or Residency

You are serving in a medical or dental internship or residency program, and you
meet specific requirements.

Complete the Mandatory Forbearance Request: Medical or Dental
Internship/Residency, National Guard Duty, or Department of Defense Student Loan
Repayment Program.

National Guard Duty

You are a member of the National Guard and have been activated by a governor,
but you are not eligible for a military deferment.

Complete the Mandatory Forbearance Request: Medical or Dental
Internship/Residency, National Guard Duty, or Department of Defense Student Loan
Repayment Program.

Student Loan Debt Burden

The total amount you owe each month for all the federal student loans you
received is 20 percent or more of your total monthly gross income, for up to
three years.

Complete the Mandatory Forbearance Request: Student Loan Debt Burden.

Note: This mandatory forbearance type applies to Direct Loans, FFEL Program
loans, and Perkins Loans.

Teacher Loan Forgiveness

You are performing teaching service that would qualify you for teacher loan
forgiveness.

Apply using this form: Teacher Loan Forgiveness Forbearance Request.




DURATION OF MANDATORY FORBEARANCES

Mandatory forbearances may be granted for no more than 12 months at a time. If
you continue to meet the eligibility requirements for the forbearance when your
current forbearance period expires, you may request another mandatory
forbearance.

You must continue making payments on your student loan(s) until you have been
notified that your request for forbearance has been granted. If you stop paying
and your forbearance is not approved, your loan(s) will become delinquent and
you may go into default.




ADDITIONAL LINKS

Who’s My Student Loan Servicer?
Income-Driven Repayment Plans
Student Loan Deferment
Student Loan Delinquency and Default


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