Most types of forbearance are not automatic. You need to submit a request to your student loan servicer, often using a form.
Are there any other procedures I have to go through for certain types of forbearances?
Yes. For some types of forbearance, you must provide your student loan servicer with documentation to show that you meet the eligibility requirements for the forbearance you are requesting.
How long does a general forbearance last?
Are you inquiring for a loan made under one of the three programs?
Yes, I am.
In that case a general forbearance may be granted for no more than 12 months at a time.
Do I have any other options if I have trouble paying my loan?
Yes. A better option might be to change 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.
I see. And what can you tell me about teacher loan forgiveness?