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 SCH

IN-SCHOOL DEFERMENT REQUEST

William D. Ford Federal Direct Loan (Direct Loan) Program

Federal Family Education Loan (FFEL) Program

OMB No. 1845-0011

DRAFT FORM

Exp. Date XX/XX/XXXX

WARNING: Any person who knowingly makes a false statement or misrepresentation on this form or on any 

accompanying document is subject to penalties that may include fines, imprisonment, or both, under the U. S. Criminal 

Code and 20 U. S. C. 1097. 

SECTION 1: BORROWER IDENTIFICATION

Please enter or correct the following information. 

Check this box if any of your information has changed. 

SSN

Name

Address

City, State, Zip

Telephone – Primary

Telephone – Alternate

E-mail (optional)

___ ___ ___ - ___ ___ - ___ ___ ___ ___

___________________________________________

___________________________________________

________________________ , _______ __________

( ___________ ) ___________ - _________________

( ___________ ) ___________ - _________________

___________________________________________

SECTION 2: DEFERMENT ELIGIBILITY

1. Interest that accrues on unsubsidized loans during 

deferment will capitalize at the end of the deferment. 

Would you like to make interest payments on your 

unsubsidized loans during the deferment?

Yes – Continue to Item 2.

No – Continue to Item 2.

2. Are you enrolled full time at an eligible school?

Yes – Skip to Item 4.

No – Continue to Item 3.

3. Are you enrolled at least half time at an eligible 

school?

Yes – Read the eligibility criteria in Section 8. 

Continue to Item 4.

No – You are not eligible this deferment.

4. Do you have Parent PLUS Loans that were first 

disbursed on or after July 1, 2008?

Yes – Continue to Item 5.

No – Have an authorized official complete Section 

3 and then continue to Section 4.

5. Do you want to defer repayment on your Parent PLUS 

Loans during the 6-month period after you graduate, 

withdraw, or otherwise cease to be enrolled on at 

least a half-time basis?

Yes – Have an authorized official complete Section 

3 and then continue to Section 4.

No – Have an authorized official complete Section 

3 and then continue to Section 4

SECTION 3: AUTHORIZED OFFICIAL’S CERTIFICATION

Note: As an alternative to completing this section, you may attach separate documentation from an authorized 

official that includes all of the information requested below.

6. The student is/was enrolled at the school below:

Full time

At least half time, but less than full time

7. The period for which I am certifying the student’s

enrollment status begins/began on:

___ ___ - ___ ___ - ___ ___ ___ ___

8. The period for which I am certifying the student’s

enrollment status ends/ended on:

___ ___ - ___ ___ - ___ ___ ___ ___

9. The student is expected to complete his/her program 

requirements on:

___ ___ - ___ ___ - ___ ___ ___ ___

I certify, to the best of my knowledge and belief, that: (1) the borrower named above is/was enrolled as indicated in 

this section and (2) that the information that I have provided in Section 3 is accurate.

10. Name of School:_______________________________

11. Address:_____________________________________

12. Name/Title:__________________________________

13. Signature:____________________________________

14. OPEID: ______________________________________

15. City, State, Zip Code:______________ , ____ _______

16. Telephone: ( ________ ) ________ - ______________

17. Date: ___ ___ - ___ ___ - ___ ___ ___ ___
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Borrower Name: ______________________________ Borrower SSN: ___ ___ ___ - ___ ___ - ___ ___ ___ ___

SECTION 4: BORROWER REQUEST, UNDERSTANDINGS CERTIFICATIONS, AND AUTHORIZATION

I request to defer my loans while I am enrolled at an eligible school on a full time or at least half time basis.

I understand that:

1. I am not required to make payments of loan principal or interest during my deferment.

2. My deferment will, as certified by the authorized official, begin on the date I began full-time or at least half-time 

enrollment, and end on the earlier of the date that I cease to meet the enrollment status requirement that 

qualifies me for the deferment ,on the expended ending date of my qualifying enrollment status.

3. If my deferment does not cover all my past due payments, my loan holder may grant a forbearance for all 

payments due before the begin date of my deferment. 

4. If I am a graduate or professional student Direct or Federal PLUS Loan borrower, I will also receive a deferment 

on my Direct or Federal PLUS Loan(s) first disbursed on or after July 1, 2008 during the 6-month period after I 

cease to be enrolled on at least a half-time basis.

5. If I am a parent borrower of a Direct or Federal PLUS Loan first disbursed on or after July 1, 2008 and I selected 

“yes” in Item 5, my post-enrollment deferment will begin on the date after I cease to be enrolled on at least half 

time and will end 6 months after that date.

6. My loan holder may grant a forbearance for up to 60 days for the collection and processing of documentation 

related to my deferment request. Interest that accrues during this forbearance will not be capitalized.

I certify that: 

1. The information I have provided on this form is true and correct.

2. I will provide additional documentation to my loan holder, as required, to support my deferment status.

3. I will notify my loan holder immediately when my qualification for the deferment ends.

4. I have read, understand, and meet the eligibility requires of the deferment for which I have applied.

I authorize the entity to which I submit this request (i.e., the school, the lender, the guaranty agency, the U.S. 

Department of education, and their respective agents and contractors) to contact me regarding my request or my 

loan(s) including repayment of my loan(s), at the number that I provide on this form or any future number that I provide 

for my cellular telephone or other wireless device using automated telephone dialing equipment or artificial or 

prerecorded voice or text messages.

Borrower’s Signature: _____________________________________________ Date: ___ ___ - ___ ___ - ___ ___ ___ ___
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SECTION 5: INSTRUCTIONS

Type or print using dark ink. Enter dates as month-day-year (mm-dd-yyyy). Use only numbers. Example: March 14, 2015 

= 03-14-2015. An authorized official must either complete Section 4 or attach a signed certification listing the required 

information. Include your name and account number on any documentation that you are required to submit with this 

form. If you need help completing this form, contact your loan holder. If you want to apply for a deferment on loans that 

are held by different loan holders, you must submit a separate deferment request to each loan holder.

SECTION 6: DEFINITIONS

An authorized official who may complete Section 

4 is an official of the school were you are/were enrolled. 

Capitalization is the addition of unpaid interest to 

the principal balance of your loan. As a result of 

capitalization, more interest may accrue over the life of 

the loan and the monthly payment amount may be higher. 

The chart below (Table 1) provides estimates, for a 

$15,000 unsubsidized loan balance at a 6.8% interest rate, 

of the monthly payments due following a 12-month 

deferment that started when the loan entered repayment. 

It compares the effects of paying the interest as it accrues, 

capitalizing the interest at the end of the deferment, and

capitalizing interest quarterly and at the end of the 

deferment. Please note that the U.S. Department of 

Education (the Department) and many other holders do 

not capitalize interest on a quarterly basis. The actual loan 

interest cost will depend on your interest rate, length of 

the deferment, and frequency of capitalization.

A deferment is a period during which you are 

entitled to postpone repayment of the principal balance of 

your loan(s). Interest does not accrue during a deferment 

on a Direct Subsidized Loan, a Direct Subsidized 

Consolidation Loan, a subsidized Federal Stafford Loan, or, 

in some cases, the subsidized portion of a Federal 

Consolidation Loan (see Note). Interest does accrue during 

a deferment on a Direct Unsubsidized Loan, a Direct PLUS 

Loan, a Direct Unsubsidized Consolidation Loan, an 

unsubsidized Federal Stafford Loan, a Federal PLUS Loan, 

or a Federal SLS Loan. Note: Interest does not accrue on a 

Federal Consolidation Loan during a deferment only if: (1) 

the application for the loan was received by your loan 

holder on or after January 1, 1993, but before August 10, 

1993; (2) the application was received by your loan holder 

on or after August 10, 1993, and the loan includes only 

subsidized Federal Stafford Loans; or (3) the application 

was received by your loan holder on or after November 

13, 1997, in which case interest does not accrue on the 

portion of the Federal Consolidation Loan that paid a 

subsidized Direct Loan or FFEL Program loan(s).

An eligible school is a school that has been 

approved by the Department to participate in the 

Department’s Federal Student Aid programs, even if the 

school does not participate in those programs.

The Federal Family Education Loan (FFEL) 

Program includes Federal Stafford Loans, Federal PLUS 

Loans, Federal Consolidation Loans, and Federal 

Supplemental Loans for Students (SLS). 

A forbearance is a period during which you are 

permitted to temporarily postpone making payments, 

allowed an extension of time for making payments, or 

temporarily allowed to make smaller payments than 

scheduled.

The holder of your Direct Loan Program loan(s) is 

the Department. The holder of your FFEL Program loan(s) 

may be a lender, guaranty agency, secondary market, or 

the Department.

A Parent PLUS Loan is a Direct or Federal PLUS 

Loan that a parent of a dependent student borrowed on 

behalf of the student.

The William D. Ford Federal Direct Loan (Direct 

Loan) Program includes Federal Direct Stafford/Ford 

(Direct Subsidized) Loans, Federal Direct Unsubsidized 

Stafford/Ford (Direct Unsubsidized) Loans, Federal Direct 

PLUS (Direct PLUS) Loans, and Federal Direct 

Consolidation (Direct Consolidation) Loans.

Table 1. Capitalization Chart

Treatment of Interest Accrued 

During Deferment

Loan

Amount

Capitalized 

Interest Principal Monthly Pmt.

Num. 

Pmts.

Total 

Repaid

Total 

Interest 

Paid

Interest is paid $15,000.00 $0.00 $15,000.00 $172.62 120 *$21,736.55 $6,730.66

Interest is capitalized at the end of 

deferment $15,000.00 $1,022.09 $16,022.09 $184.38 120 $22,125.94 $7,119.64

Interest is capitalized quarterly 

during deferment and at the end 

of deferment

$15,000.00 $1,048.51 $16,048.51 $184.69 120 $22,162.41 $7,156.10

*Total amount repaid includes $1,022.09 of interest paid during the 12-month period of deferment.
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SECTION 7: WHERE TO SEND THE COMPLETED FORM

Return the completed form to: If you need help completing this form, call:

SECTION 8: ELIGIBILITY REQUIREMENTS

You are always eligible for an in-school deferment if you are enrolled full time at an eligible school.

You are eligible for an in-school deferment when you are enrolled at least half time, but less than full time, at an 

eligible school, only if:

 You are a Direct Loan borrower; or

 You are a FFEL Program borrower who did not have an outstanding balance on a FFEL Program loan that was 

first disbursed before July 1, 1987 when you obtained a loan on or after July 1, 1987

Federal PLUS Loans that were first disbursed on or after July 1, 2008 are eligible for this deferment regardless of 

prior borrowing in the FFEL Program.

Direct of Federal PLUS Loans that were first disbursed on or after July 1, 2008 are also eligible for a 6-month 

deferment after you cease to be enrolled at least half time at an eligible school. If you are a graduate or professional 

student borrower of a Direct or Federal PLUS Loan, this deferment will be applied automatically. If you are a parent 

borrower of a Direct or Federal PLUS Loan, this deferment will only be applied if you select “yes” to Item 5 in Section 2.

SECTION 9: IMPORTANT NOTICES

Privacy Act Notice. The Privacy Act of 1974 (5 

U.S.C. 552a) requires that the following notice be provided 

to you:

The authorities for collecting the requested 

information from and about you are §421 et seq. and §451 

et seq. of the Higher Education Act of 1965, as amended 

(20 U.S.C. 1071 et seq. and 20 U.S.C. 1087a et seq. ) and 

the authorities for collecting and using your Social Security 

Number (SSN) are §§428B(f) and 484(a)(4) of the HEA (20 

U.S.C. 1078-2(f) and 1091(a)(4)) and 31 U.S.C. 7701(b). 

Participating in the Federal Family Education Loan (FFEL) 

Program or the William D. Ford Federal Direct Loan (Direct 

Loan) Program and giving us your SSN are voluntary, but 

you must provide the requested information, including 

your SSN, to participate. 

The principal purposes for collecting the 

information on this form, including your SSN, are to verify 

your identity, to determine your eligibility to receive a 

loan or a benefit on a loan (such as a deferment, 

forbearance, discharge, or forgiveness) under the FFEL 

and/or Direct Loan Programs, to permit the servicing of 

your loan(s), and, if it becomes necessary, to locate you 

and to collect and report on your loan(s) if your loan(s) 

becomes delinquent or defaults. We also use your SSN as 

an account identifier and to permit you to access your 

account information electronically. 

The information in your file may be disclosed, on a 

case-by-case basis or under a computer matching 

program, to third parties as authorized under routine uses 

in the appropriate systems of records notices. The routine 

uses of this information include, but are not limited to, its 

disclosure to federal, state, or local agencies, to private 

parties such as relatives, present and former employers, 

business and personal associates, to consumer reporting 

agencies, to financial and educational institutions, and to 

guaranty agencies in order to verify your identity, to 

determine your eligibility to receive a loan or a benefit on 

a loan, to permit the servicing or collection of your loan(s), 

to enforce the terms of the loan(s), to investigate possible 

fraud and to verify compliance with federal student 

financial aid program regulations, or to locate you if you 

become delinquent in your loan payments or if you 

default. To provide default rate calculations, disclosures 

may be made to guaranty agencies, to financial and 

educational institutions, or to state agencies. To provide 

financial aid history information, disclosures may be made 

to educational institutions. To assist program

administrators with tracking refunds and cancellations, 

disclosures may be made to guaranty agencies, to financial 
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and educational institutions, or to federal or state 

agencies. To provide a standardized method for 

educational institutions to efficiently submit student 

enrollment statuses, disclosures may be made to guaranty 

agencies or to financial and educational institutions. To 

counsel you in repayment efforts, disclosures may be 

made to guaranty agencies, to financial and educational 

institutions, or to federal, state, or local agencies. 

In the event of litigation, we may send records to 

the Department of Justice, a court, adjudicative body, 

counsel, party, or witness if the disclosure is relevant and 

necessary to the litigation. If this information, either alone 

or with other information, indicates a potential violation 

of law, we may send it to the appropriate authority for 

action. We may send information to members of Congress 

if you ask them to help you with federal student aid 

questions. In circumstances involving employment 

complaints, grievances, or disciplinary actions, we may 

disclose relevant records to adjudicate or investigate the 

issues. If provided for by a collective bargaining 

agreement, we may disclose records to a labor 

organization recognized under 5 U.S.C. Chapter 71. 

Disclosures may be made to our contractors for the 

purpose of performing any programmatic function that 

requires disclosure of records. Before making any such 

disclosure, we will require the contractor to maintain 

Privacy Act safeguards. Disclosures may also be made to 

qualified researchers under Privacy Act safeguards. 

Paperwork Reduction Notice. According to the 

Paperwork Reduction Act of 1995, no persons are required 

to respond to a collection of information unless such 

collection displays a valid OMB control number. The valid 

OMB control number for this information collection is 

1845-0011. Public reporting burden for this collection of 

information is estimated to average 10 minutes per 

response, including time for reviewing instructions, 

searching existing data sources, gathering and maintaining 

the data needed, and completing and reviewing the 

collection of information. The obligation to respond to this 

collection is required to obtain a benefit in accordance 

with 34 CFR 682.210 or 685.204. If you have comments or 

concerns regarding the status of your individual 

submission of this form, please contact your loan holder

directly (see Section 7).