In-School Deferment
An in-school deferment is intended to cover both full-time and half-time study at an eligible school. A lender must grant an in-school deferment if it receives a written or verbal request from the borrower and documentation of the borrower’s eligibility for the deferment. Documentation can include a written enrollment verification from a school supporting the borrower’s eligibility for the deferment.
Maximum Time Limit: None
Eligibility Criteria
A student’s in-school enrollment includes any combination of courses, special studies, research or work experience that the school considers to constitute a course of study. Full-time or half-time enrollment is determined by the individual school. Enrollment in a correspondence school program alone is considered half-time enrollment. Medical interns and residents (except dental interns) cannot be certified as enrolled students for the purposes of in-school deferment eligibility.
To obtain an in-school deferment, the student must be attending a school that either is eligible to participate in any Title IV Program or that is operated by an agency of the federal government (such as a service academy).
Deferment Form Instructions
Download a copy of the In-School Deferment Form