Deferments A deferment allows you to postpone payment on your loans. Interest charges accrue on an unsubsidized loan during a deferment period. Forbearance If you have a problem making a payment on your loan, the Direct Loan Servicing Center will work with you to help you avoid the costs and adverse consequences of delinquency. Forbearance is a temporary postponement or reduction of loan payments for a limited and specified period of time when you are willing but unable to make loan payments. Forbearance may also be an extension of the repayment period.
All loans accrue interest during forbearance.