You did right. It could be some considerations to be done before you choose a to do a deferment. With a deferment, you won't have to make any payment for your loan, but equally, any progress to pay back your loan will be halted, so it could be a risky choice.
Umm, yeah, and that could be bad. Can you give me an alternative to that, then?
Of course, no problem with that. You can always consider to use an income-driven repayment as a more healthy alternative, so you don't have to delay your payments.
Well, that certainly looks like an alternative. I'm not saying anything, but, if i really need a deferment, you know, because my economy, can i get one?
Well, if you qualify under certain circumstances, indeed you can get a deferment. I have to ask then, Are you receiving welfare benefits right now?
No, i'm not on any of those plans right now.
Good. Next, then. Are you working full time, but happens that your earnings are below 150% of the poverty guideline, based on your family size and state of residence?
Thank God, no. I'm not employed right now, but my family are well for now.
That's good. Lastly, Are you by any chance, serving on the peace corps?
No, sorry, but no. I've never been on service for any group like that.