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If you have trouble meeting repayment obligations, you may be eligible to postpone or lower repayments for a period of time without hurting your credit.
To delay payment on a Stafford Loan, you can apply for a deferment. If you are eligible, the government will pay the interest that accrues on your Subsidized Stafford Loan during the deferment period. (You will be responsible for repaying all accrued interest with an Unsubsidized Stafford Loan).
In other cases of financial difficulty, you may be eligible for forbearance. Forbearance lets you stop loan payments or reduce their amount for a period of time. You will be responsible for all of the interest that accrues during this period, whether the loan is subsidized or unsubsidized.
If you need to postpone or reduce your payments, please notify our Customer Service Department at (877) 689-0763, or call your loan servicer for more information.
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