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Frequently Asked Questions

Working Mother Deferment

What is it?
A means of deferring (postponing) payments on your student loans for up to 12 months after re-entering the workforce.

When do I qualify?
You may qualify if you:

bulletAre the mother of a preschool-age child (not yet enrolled in first grade);
bulletWork full-time (at least 30 hours per week) in a job that you expect to last at least three months;
bulletEarn no more than $1.00 per hour above the minimum wage; and
bulletEntered or re-entered the workforce within the past year.

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 on the button below to view and print a working mother deferment request form.  Please 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 Working Mother Deferment, click here.

If you do not qualify for the Working Mother Deferment, please view any other options on your Results page, or click on the Return to Questionnaire button at the bottom of this page to make another selection.

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