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Frequently Asked Questions

Disability Deferment

What is it? 
A means of postponing payments due on your student loans for up to 36 months (three years). 

When do I qualify?
You may qualify if you are: 

bullet Unable to work or go to school because you are temporarily and totally disabled; or
bullet Caring for a disabled dependent or spouse.

When is a deferment a good idea?
When you are temporarily struggling to make your student loan payments.

When is a deferment not a good idea? 
When you have the ability to make payments to bring your account up to date, or when you are not sure that you will be able to resume payments soon. During any deferment on an unsubsidized loan, interest continues to accrue, even when you are not required to make payments. As a result, your balance and payment term are likely to increase.

How do I apply for a disability deferment?
Click here to view and print a disability deferment request form.  Read the form carefully to make sure you qualify, and follow the instructions on the form.  Mail your completed form to us at:

Student Loan Counseling Service, Inc.
P.O. Box 1078
Waterloo, IA  50704-1078 

To learn more about the DISABILITY DEFERMENT, click here.

What if I don’t qualify?
If you do not qualify for a DISABILITY DEFERMENT, please view any other options on your Results page, or click the button below to return to the questionnaire make another selection.

Student Loan Counseling Service, Inc
(888) 633-4850