Once your deferment ends, if you are still having trouble paying the loan you may be able to ask for an additional deferment. Whether or not you can get one is up to the discretion of the lender. Otherwise, payments should go back to normal with the accrued interest calculated. Depending on the terms of the deferred payment plan, you may have larger monthly payments, be asked for an upfront payment of the accrued interest, or receive a balloon payment at the end of the loan term. If you are unable to make the new monthly payments, then you may have to look into alternative arrangements and reduce overall spending to be able to keep up on the monthly payments. Late or missed payments, and even default, come with dire consequences.