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What if I'm having trouble making payments?

If you are temporarily unable to make your monthly loan payment, help is available. We offer deferment or forbearance options to postpone payments for a period of time. National Education is here to work with you.

Deferments

Forbearance for Federal Loans

Forbearance for Alternative Loans

Frequently Asked Questions


Deferments

A deferment entitles you to postpone your monthly principal payment on Federal Stafford, Federal PLUS and Federal Consolidation Loan(s) for a specific period of time. During this time your credit will be protected.

Deferments have time limits. You will be expected to resume full payments once a deferment ends.

Eligibility:

Application Process:

Repayment and Interest:

Types of Deferments:

There are a number of different types of deferments available through National Education for loans offered under the Federal Family Education Loan Program (FFELP).

Get Adobe Acrobat Reader

The links below will allow you to view and print the deferment forms with ADOBE ACROBAT. The Adobe Acrobat Reader is free. If you do not already have it, download it now.

If you Log In to your account, you can use the Deferment Eligibility page to check your eligibility for these deferments.

Economic Hardship Deferment (HRD) Learn More Download Form
Education Related Deferment (EDU) Learn More Download Form
In-School Deferment (SCH) Learn More Download Form
Military Deferment (MIL) Learn More Download Form
Parental Leave/Working Mother Deferment (PLWM) Learn More Download Form
Parent PLUS Borrower Deferment (PLUS) Learn More Download Form
Public Service Deferment (PUB) Learn More Download Form
Unemployment Deferment (UNEM) Learn More Download Form

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Forbearance for Federal Loans

Forbearance allows you to temporarily postpone payments on your federal student loan while protecting your credit. In this respect it is just like a deferment. However, forbearance differs in that it is not an entitlement and the federal government will not pay interest that accrues on your loan(s). The borrower is always responsible for paying the interest costs during forbearance. Forbearance is used when the borrower is not eligible for one of the available deferments.

Eligibility:

Application Process:

Teacher Loan Forgiveness Forbearance Learn More Download Form

Repayment and Interest:

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Forbearance for Alternative Loans

Just like with federal loans, forbearance is available for borrowers with Alternative Loans serviced by National Education. The forbearance will temporarily postpone your loan payments. Forbearance is not an entitlement. The borrower is responsible for paying all interest that accrues on your loan(s). Contact us to determine if you qualify for forbearance and how long it may be granted.

Points about forbearance for Alternative Loans to remember:

Eligibility:

Application Process:

Repayment and Interest:

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