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Deferment & Forbearance

Under certain circumstances, you can request and receive a deferment or forbearance that allows you to temporarily stop  or reduce your federal loan payments. Different loans have different deferment and forbearance options and criteria.

What is the difference between a deferment and forbearance?  

A Deferment allows you to postpone repayment and stops interest from accruing on loans while you are in a specific qualifying situation. A Forbearance allows you to temporarily reduce your monthly payments to interest-only payments. Interest continues to accrue and must be paid by the end of the forbearance period.

How Do I Request a deferment of forbearance?  

Most deferments and forbearances are not automatic, and you will need to submit a completed request form(s) with supporting documentation. You will be notified once the Student Loans department has determined your eligibility. You may need to provide additional documentation if requested.

For all deferment and forbearance inquiries and requests, please contact our office at (209) 946-2446 or via e-mail at

Download Deferment/Forbearance Forms


You MUST continue making payments on your student loan(s) until you have been notified that your request for deferment or forbearance has been granted. If you stop paying and your deferment or forbearance is not approved, your loan will become delinquent and your loan may be in default.