In School Deferment of Federal Student Loans | 12.14.09

Posted in Graduate Loans, Student Loan Links By Student Loan Network Staff

While you are in college you are not required to make any payments on your federal student loans. These loans do not go into repayment until you graduate. However, in particular instances your lender might not know you are in school and put your loans into repayment. In these cases you need to fill out an In School Deferment Form.

When to fill out an In School Deferment Form:

1: If you transferred schools

2: If you took time off from school and decide to go back

3: If you are going to graduate school

Where to send your In School Deferment Form:

You should send the form directly to your lender. If you do not know who your lender is you can contact the Department of Education’s Borrower Tracking Department at 800.433.3243. They will be able to tell you exactly where to send your form.

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70 Responses to “In School Deferment of Federal Student Loans”

  1. T. J. Runyan says on August 23, 2012 at 10:30 am:

    I personally know of two people who are “perennial students” for the express purpose of avoiding repayment of their student loans. They keep taking courses year after year, with no realistic career goal in mind. Why isn’t evidence of some kind of progress required of “students” like these?
    One of them is on SSI, so for her, taking courses to avoid repayment of student loans is really double dipping.

    Reply To This Comment
    • Student Loan Guru says on August 24, 2012 at 9:59 am:

      @T.J. – All schools should have a Satisfactory Academic Progress requirement in place. According to federal regulations, students are required to be pursuing a degree, and if they take 150% of the credits required for a degree, aid eligibility is revoked. This is to eliminate the “perennial student” issue, though I’m sure there are ways around it. Financial aid offices are busy places which can often lead to errors in documentation and situations where this can occur. Here is a link to report any known fraud relating to Department of Ed. funds: http://www2.ed.gov/about/offices/list/oig/hotline.html

      Reply To This Comment
  2. David says on January 10, 2010 at 6:29 pm:

    Good information!

    Reply To This Comment
  3. Sam says on January 7, 2010 at 10:37 pm:

    thats a little scary

    Reply To This Comment
  4. Crisina Collins says on January 7, 2010 at 5:07 pm:

    very helpful information.

    Reply To This Comment
  5. Thuy says on January 7, 2010 at 1:50 pm:

    I can see why students in graduate school have such a huge debt afterwards.

    Reply To This Comment
  6. yoshabal lester says on January 6, 2010 at 8:04 pm:

    very helpful indeed

    Reply To This Comment
  7. Dustin McAllister says on January 6, 2010 at 6:14 pm:

    this was a graet help

    Reply To This Comment
  8. Dustin McAllister says on January 6, 2010 at 6:13 pm:

    This was a great help

    Reply To This Comment
  9. Yaneli says on January 6, 2010 at 4:13 pm:

    Very good information!

    Reply To This Comment
  10. Kyle says on January 6, 2010 at 3:54 pm:

    interesting info.

    Reply To This Comment
  11. Sheila says on January 5, 2010 at 8:36 pm:

    thank you. i got some great information

    Reply To This Comment
  12. Alice Voluntad says on January 5, 2010 at 6:06 pm:

    Good to know!

    Reply To This Comment
  13. Kate G. says on January 5, 2010 at 3:41 pm:

    Since I’m in school, my senior year of high school, I’ve been worrying about how I’ll be paying off the loans when I graduate. I thought it would be smart to at least pay the interest of the loans so the loan itself doesn’t build up over time. I’m not sure if you’re allowed to do that though. I don’t understand why you wouldn’t be allowed to start paying it back whenever you wanted. Wouldn’t the lender want their money back asap?

    Reply To This Comment
  14. Michael says on January 5, 2010 at 11:10 am:

    That is something to know. I think I am going to send them an extension plea

    Reply To This Comment
  15. Christel says on January 5, 2010 at 2:08 am:

    good to know

    Reply To This Comment
  16. Denise says on January 4, 2010 at 10:43 pm:

    so, do you need to comment in order to have a right to the points? do they track that you didn’t comment and take away those points? or is it really this easy?

    Reply To This Comment
  17. Sandra says on January 4, 2010 at 9:33 pm:

    I have completed this form since I was a returning student. It worked for me!

    Reply To This Comment
  18. norma donovan says on January 4, 2010 at 9:14 pm:

    I’m glad they do have the deferrement for people to have the ability to go back to school even though they owe. It works out in the long run.

    Reply To This Comment
  19. andrea says on January 4, 2010 at 8:54 pm:

    helpful and useful info.

    Reply To This Comment

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