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Frequently Asked Questions

Student or Fellowship Deferment

What is it?
A means of deferring (postponing) payments due on your student loans while you are back in school.

When do I qualify?
You may qualify if your have returned as at least a half-time student at an eligible institution, or are in a graduate fellowship program.

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? 
Click here to view and print an educational deferment request form.  Please read the form carefully to make sure you qualify, and follow the instructions on the form. Mail your completed form(s) to us at:

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

To learn more about the student fellowship deferment, click here.




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


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