Deferment and Forebearance

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Information on Deferment and Forbearance

Placing your loans on a forbearance pauses your student loan payments for a certain amount of time, typically anywhere from 6-12 months. Although forbearances may seem like a great alternative to paying back your student loans, while your loans are on forbearance they continue to accumulate interest thus creating more student loan debt for you to pay back. The interest can accrue very rapidly, thus creating a bigger problem than the one you began with. Forbearances are nothing more than a short term hold but cannot be viewed as a solution by any means. If your loans are current and up to date or if they are in a delinquent status are the only times your loans are eligible for forbearance time. If your loans have fallen into a defaulted status, they are not eligible for a forbearance and you must seek other options to resolve your student loans such as consolidation and/or rehabilitation programs.

As well as your loans needing to be in a specific situation to be eligible for a forbearance, there are also requirements you must meet in order to be eligible for a forbearance. Some of the people who are eligible for forbearances are people with specific illnesses, people going through a financial hardship, members of the national guard, if your monthly student loan payment exceeds 20% of your total monthly gross income, if you in a medical or dental residency program, and there are other times when the lender will work with you on receiving a forbearance but you would need to contact them and ask for a discretionary forbearance. Most cases they will work with you but not always. 

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"Before I came across Student Loan Help Info, I was struggling to pay $273 every month towards my student loans. A friend of mine referred me to this place and I was a little weary at first. The woman I spoke to was very helpful and informative, so I decided to move forward and they helped me get into a $0 monthly payment. Now my student loans are one less thing I worry about."
Roger P.


"Hi! I am Jessica. I graduated in 2010 with all the hope to build a career in teaching. My loans totaled over $40,000. I had a job at the time and didn’t make a lot of money so supporting my two kids wasn’t easy. I started falling behind with my payments and eventually fell into default. Luckily, I found Student Loan Help Info through an online search, and they were able to help get me out of default and into a forgiveness program. I couldn’t be happier!"
Jessica M.


"I have been disabled for quite some time now so I haven’t been able to work and pay my student loans off. I came across this student loan assistance company and the representative was very knowledge. Since I am disabled, I was able to get all of my loans discharged. I am so thankful I made the call."
Mitchell T.

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