Deferment Information

 

You may request to defer the repayment of your loan(s) and to interrupt your repayment period. To apply for deferment of payments you must complete a deferment request form and submit this form to Campus Partners

How to Apply for a Perkins Deferment

To apply for a deferment, download the required form. Complete the form in detail and be sure to include any required authorization or documentation listed in the Deferment Types and Eligibility Requirements section. Send the form to Campus Partners for processing. Your request will be processed promptly. You will receive notification explaining whether your deferment was applied, rejected, or returned to you for additional information. The deferment process is not automatic; you must request deferment. It is important to be on time.

Mail forms to:

Campus Partners
PO Box 2901
Winston-Salem, NC 27102-2901
FAX: 336-607-2093

Deferment Types and Eligibility Requirements

In order to qualify for a deferment, you must meet the specific eligibility requirements for that deferment type. The following deferments may be available to you. Select the specific deferment type and review the eligibility requirements.

Federal Perkins Loans Made July 1, 1993 and After

If you received your loan(s) on or after July 1, 1993, you are eligible to apply for deferment benefits if you are:

  1. Enrolled and in attendance as a regular student in at least a half-time course of study in an institution of higher education;
  2. Enrolled and in attendance as a regular student in an approved fellowship program or approved rehabilitation training program for disabled individuals (does not include a medical internship or residency program, except a residency in dentistry);
  3. Unemployed and unable to find full-time employment (3-year limit);
  4. Experiencing an economic hardship (3-year limit);
  5. Engaged in services described in the Cancellation Benefits section; or
  6. Serving in a residency program in dentistry;
  7. Serving in the Armed Forces or the Reserves in a Military Operation.

Federal Perkins Loans Made From July 1, 1987 through June 30, 1993

If you received your loan(s) within these dates, you are eligible to apply for deferment benefits for the circumstances listed below. You may also apply for the deferments listed above for loans made July 1, 1993 and after, but only for periods beginning October 7, 1998 and after.

  1. Enrolled and in attendance as a regular student in at least a half-time course of study in an institution of higher education.
  2. Serving in an internship program required for certification or a residency program in a hospital or health-care facility offering postgraduate training and leading to a degree/certificate awarded by an institution of higher education. (2-year limit)
  3. Active duty as a member of the Armed Forces or in the Commissioned Corps of the Public Health Service. (3-year limit)
  4. Volunteer service under the Peace Corps Act or Domestic Volunteer Service Act of 1973 (VISTA). (3-year limit)
  5. Full-time volunteer for at least one year in a non-profit organization comparable to the Peace Corps. (3-year limit)
  6. Temporary total disability of the borrower or spouse. (3-year limit)
  7. Temporary total disability of a dependent in your care preventing you from attending school or from being employed. (3-year limit)
  8. Active duty in the National Oceanic and Atmospheric Administration Corps. (3-year limit)
  9. Mother of preschool age children entering or re-entering the work force and making less than $1 more than the federal minimum wage. (12-month limit)
  10. Parental leave (6-month limit) if you are pregnant or are caring for your newborn or newly adopted child, you are not gainfully employed or not attending school, and you have attended an eligible school at least half-time during the last six months;
  11. Serving in the Armed Forces or the Reserves in a Military Operation.

Federal Perkins Loans Made Prior to July 1, 1987

You may apply for deferment of payments under the circumstances listed above (Loans Made From July 1, 1987 through June 30, 1993) except those listed under numbers 8 though 10.

You may also apply for the six deferments listed above for loans made July 1, 1993 and after, but only for periods beginning October 7, 1998 and after.

Dental Residency

You may be eligible a Dental Residency deferment only for an internship or residency program in dentistry. Eligibility Requirements: Federal Perkins Loans made on or after July 1, 1993. Maximum Length: Two years.

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Economic Hardship

You may be eligible for an Economic Hardship deferment if you are suffering an economic hardship and you meet one of the following conditions:

  • You have been granted an economic hardship deferment under either the Federal Direct Loan Program or the Federal Perkins Loan Program for the same time period for which you request this deferment. You must provide documentation of the deferment, including the type of deferment and dates deferment is in effect.
  • You receive payment under a federal or state public assistance program, such as Aid to Families with Dependent Children, Supplemental Security Income, Food Stamps, or state general public assistance. You must provide documentation of these payments.
  • You work full-time and your monthly gross income does not exceed 150% of the poverty line for a family of two.  To check the poverty line for your state, click hereYou must submit the Application for Hardship/Unemployment Deferment form.

Maximum Length: Three years. You must reapply every 6 months.

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Graduate Fellowship

You may be eligible for a Fellowship deferment if you are enrolled and attending as a regular student in a course of study that is part of a graduate fellowship program approved by the Secretary, or engaged in graduate or post-graduate fellowship-supported study (such as a Fulbright grant) outside the United States; or you have been accepted in full-time study in the institution's graduate fellowship program. Additional paperwork may be required along with your deferment request form.

Maximum Length: No limit.

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Internship/Residency

You may be eligible for an Internship deferment if you hold at least a baccalaureate or professional degree and serve in an internship program provided the following criteria are met:

  • A statement from the state-licensing agency indicating the internship is a prerequisite for professional service.
  • A statement verifying your acceptance into the program and the anticipated dates of when you will begin and complete the program.
  • Your employer (usually a director) must certify your request form.

Eligibility Requirement: NDSL and Perkins Loans made before July 1, 1993.

Maximum Length: Two years.

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Military

You may be eligible for a Military deferment if you are on full-time active duty with the U.S. Military. The eligible branches include: Army, Navy, Air Force, Marine Corps, Coast Guard, Reserves of any Armed Forces (if full-time active duty), or National Guard (if full-time active duty).

Borrowers must serve on active duty in connection with a war or other military operation or national emergency.  "Military Operation" means a contingency operation, which is defined as follows: 

Contingency Operation: The term "contingency operation" means a military operation that-- (A) is designated by the Secretary of Defense as an operation in which members of the armed forces are or may become involved in military actions, operations, or hostilities against an enemy of the United States or against an opposing military force; or (B) results in the call or order to, or retention on, active duty of members of the uniformed services under section 688, 12301(a), 12302, 12304, 12305, or 12406 of this title, chapter 15 of this title, or any other provision of law during a war or during a national emergency declared by the President or Congress [Title 10, Section 101(a)(13)].

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National Oceanic & Atmospheric Administration Corps (NOAAC)

You may be eligible for a NOAAC deferment if you are on full-time active duty in the National Oceanic and Atmospheric Administration Corps.

Eligibility Requirement: NDSL and Perkins Loans made before July 1, 1993.

Maximum Length: Three years.

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Parental Leave

You may be eligible for a Parental Leave deferment if you are pregnant, caring for a newborn or newly adopted child and unable to attend an eligible school or be gainfully employed. To qualify, you must be unemployed, not attending school and must apply for the deferment within six months of leaving school or dropping below half-time status.

Eligibility Requirement: Perkins Loans made between July 1, 1987 and June 30, 1993.

Maximum Length: Six months.

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Peace Corps, Vista, or Action

You may be eligible for this deferment if you are a Peace Corps, Vista or Action volunteer.

Eligibility Requirement: NDSL and Perkins Loans made before July 1, 1993.

Maximum Length: Three years.

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Rehabilitation Training Program

You may be eligible for this deferment if you are enrolled in a course of study that is part of a Department of Education approved rehabilitation training program for disabled individuals.

To qualify:

Your training program must:

  • Be licensed, approved, certified, or recognized as providing rehabilitation training to disabled individuals by the Veterans Administration or a state agency responsible for vocational rehabilitation, drug abuse treatment, mental health services, or alcohol abuse treatment programs.
  • Provide services under a written, individualized plan that specifies the date services are expected to end.
  • Be structured in a way that requires a substantial commitment by you to your rehabilitation. ("Substantial commitment" means a commitment of time and effort that would normally prevent a person from being employed 30 or more hours per week in a position expected to last at least three months.)

Maximum Length: Unlimited.

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Student

You may be eligible for a Student deferment if you are enrolled at least half time as a regular student at an eligible accredited institution in the United States, or at a comparable institution outside the United States. You are required to submit a form each term.

Please note that in-school deferments are no longer granted when you are serving in a medical internship or residency program, except for a program in dentistry.

Eligibility Requirement: All NDSL, Perkins and Federal Perkins Loans.

Maximum Length: Unlimited.

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Temporary Total Disability Borrower or Spouse

You may be eligible for a Temporary Total Disability deferment if you are temporarily totally disabled and cannot attend school or secure employment, or if you cannot be gainfully employed because you are providing care for a spouse who is temporarily totally disabled.

Eligibility Requirement: NDSL and Perkins Loans made before July 1, 1993.

Maximum Length: Three years.

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Dependent Care

You may be eligible for a Temporary Total Disability deferment if you cannot be gainfully employed because you are providing care for a disabled dependent.

Eligibility Requirement: NDSL and Perkins Loans made before July 1, 1993.

Maximum Length: Three years.

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Unemployment

You may be eligible for an Unemployment deferment if you are seeking and unable to find full-time employment.

Maximum Length: Three years.

To apply for an Unemployment deferment, you must complete an Application for Hardship/Unemployment Deferment form.

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U.S. Public Health Service

You may be eligible for an U.S. Public Health Service deferment if you are an officer in the Commissioned Corps of the U.S. Public Health Service.

Eligibility Requirement: NDSL and Perkins Loans made before July 1, 1993.

Maximum Length: Three years.

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Volunteer Service

You may be eligible for a Volunteer Service deferment if you are a volunteer in service for a tax-exempt organization that the Department of Education has determined is comparable to Peace Corps or ACTION. You must meet all of the following criteria:

  • The organization is exempt from taxation under Section 501(c)(3) of the Internal Revenue Code of 1954.
  • You volunteer for an organization, and you serve low-income persons and their communities by assisting them in eliminating poverty and poverty-related human, social, and environmental conditions.
  • You do not receive compensation that exceeds the rate prescribed under Section 6 of the Fair Labor Standards Act of 1938 (the federal minimum wage), except that the tax-exempt organization may provide health, retirement, and other fringe benefits to the volunteer that are substantially equivalent to the benefits offered to other employees of the organization.
  • You, as part of your duties, do not give religious instruction, conduct worship services, engage in religious proselytizing, or engage in fund raising to support religious activities.
  • You have agreed to serve on a full-time basis for a term of at least one year.
  • An official of this non-profit organization must certify the request form.

Eligibility Requirement: NDSL and Perkins Loans made before July 1, 1993.

Maximum Length: Three years.

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Working Mother

You may be eligible for a Working Mother deferment if you are the mother of preschool aged children (birth through kindergarten), entering or re-entering the workforce and compensated at the rate of no more than $1.00 per hour more than Federal Minimum Wage ($5.25) as of September 1997.

Eligibility Requirement: Perkins Loans made between July 1, 1987 and June 30, 1993.

Maximum Length: One year.

To apply for a Working Mother deferment, you must complete a deferment request form, and submit this form to the school. In addition, you must have your employer complete and certify this Working Mother Deferment Certification letter, verifying your hourly wage and dates of employment and a birth certificate of preschool age children. Attach the letter and required information to the deferment request form.

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