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Economic Hardship Deferment Eligibility Calculator
To help determine if you are eligible for more Economic Hardship Deferment time, please use the calculator below. If you qualify for your Economic Hardship Deferment based on these criteria we encourage you to call National Education Servicing at (800) 345-4325 as soon as possible to discuss your deferment options for the coming year. If you do not qualify, no action is needed at this time.
| Do you work full time? | |
| State abbreviation for where you live | |
| # of people in your household | |
| Are you paid weekly, bi-weekly, twice a month, or monthly? | |
| Enter one pay check amount here (gross, not net) | |
| Estimated monthly payment of Stafford and PLUS Loans (all loans with all lenders - exclude Consolidation Loans) | |
| Estimated balance of Consolidation Loans with all lenders (exclude loans listed above) | |
| Estimated interest rate for loans listed in question above | |
| Please enter your adjusted gross income from your tax return here: |
If you qualify for an Economic Hardship Deferment under the criteria
for more than one question, please apply for the HRD under Question 4.Note: This option is available to you only if the start date of the deferment
is June 30, 2009 or earlier. If you have questions or would like to
discuss other options, contact us at (800) 345-4325.Although you did not qualify based on the initial criteria, please enter your gross income to check again.