Student loan deferment allows you to temporarily stop making payments. 
Find out if a deferment is the best option for your situation. With deferment , you won t have to make a payment. However , you probably won t be making any progress toward forgiveness or paying back your loan. As an alternative , consider income - driven repayment. 

Get Relief With Lower Payments on an Income-Driven Repayment Plan 
If you re having trouble repaying your loans due to circumstances that may continue for an extended period, or if you re unsure when you ll be able to afford to make your monthly loan payments again , a better option might be to consider changing to an income - driven repayment plan. Income - driven repayment plans base your monthly payments on your income and family size. In some cases , your payment could be as low as $0 per month. Income - driven plans can also provide loan forgiveness if your loan isn t paid in full after 20 or 25 years. Always contact your student loan servicer immediately if you re having trouble making your student loan payments. If you re seeking Public Service Loan Forgiveness PSLF or income - driven repayment forgiveness , in most cases deferment will not allow you to make progress toward forgiveness. 

Be Aware That Interest Might Accrue During Deferment 
If you re granted a deferment , you might still be responsible for paying the interest that accrues during the deferment period. The table below shows when you are responsible for paying the interest and when you are not responsible based on loan type. When you are responsible for paying the interest on your loans during a deferment , you can either pay the interest as it accrues , or you can allow it to accrue and be capitalized added to your loan principal balance at the end of the deferment period. If you don t pay the interest on your loan and allow it to be capitalized , the total amount you repay over the life of your loan may be higher. Unpaid interest is capitalized only on Dir

user: Hi, Could you please give me information about the student loan deferment program.

assistant: Yes I can give you further information about the program. If you qualify for the deferment you won't have to make a payment on your loan but if you use this option you probably won't be making any progress toward paying back your loan.

assistant: Have you considered any of the other alternatives that are available to you?

user: No I have not.

user: :How do I go about getting a Parent PLUS Borrower Deferment?

assistant: To apply for the Parent PLUS Borrower Deferment you will have to complete the Parent PLUS Borrower Deferment request.

user: What loans qualify for non payment during the post-deferment grace period?

assistant: There are several loan types that are eligible for deferment. One of them is the FFEL Program loan.

user: Is there any help for persons in the military service?

assistant: Are you on active military service at the moment?

user: No I am not.

assistant: Have you completed any military service at all?

user: No I have never done any military service.

assistant: Seen as you have not been involved in the military in any way you will not be eligible for the Military Service and Post-Active Duty Student Deferment program.