Forbearance
If you do not qualify for a deferment, you may be eligible to request forbearance from the Direct Loan Servicing Center. Forbearance is the temporary postponement or reduction in your monthly payment. Often the amount of time it takes to repay your loan is extended. Interest continues to accrue during the period, increasing the loan balance.
There are several different types of forbearance available depending on your situation. Forbearance must be approved by the Direct Loan Servicing Center; call 800.848.0979.for help determining which type of forbearance may work best for you.
Forbearance can be applied to both past delinquency and future payments, and is applied in up to 12-month increments. Multiple periods can be used. You can apply for forbearance verbally or in writing to the Direct Loan Servicing Center, depending on the delinquency of your loan.
To request a written forbearance, send the completed forbearance request form (L-48); form to the Direct Loan Servicing Center.
Additional forbearances are also available for:
- Child care provider loan forgiveness (L-133)
- Teacher loan forgiveness ( L-19)
U.S. Department of Education deferment/forbearance information
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