Student Loan Repayment: What is Post-Active Duty Student Deferment?

Student loan deferment is the process of suspending payments due to an event that has rendered you inability to continue paying. Examples can include illness, disability, layoff or service in the military. If you are called to duty within a certain period of time of being a student, your student loan debt may be suspended for up to 13 months to allow you to recover financially. This technically only applies to federal loans, but most private lenders will mirror the policy.

Which Types of Service Qualify?

If you are a member of any reserve component of the U.S. Armed Forces, such as the National Guard, you will be eligible for the deferment option. You much be called to active duty while enrolled at least part-time in a college or university. If you are called to active duty within 6-months of being enrolled at least part-time in a college, you will also be eligible. The deferment lasts for 13 months after the end of your active duty service. If you return to at least part-time student status before this 13 months is over, you will reach the end of your deferment options.

How do I Apply?

Applying for the deferment option on a federal loan is as simple as filling out the forms. This can be done online in most cases. If you are trying to defer a private student loan, you will need to submit a letter of hardship describing your circumstances and asking to defer payment.


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