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The following information is provided with permission from Mapping Your Mapping Your Future® is a national collaborative, public-service, nonprofit organization providing career, college, financial aid, and financial literacy information and services for students, families, and schools. For more info visit:

Forbearance is a way to temporarily lower or postpone your federal student loan payments. Your loan holder may grant forbearance if you are willing but temporarily unable to make full or partial payments and do not qualify for a deferment (the preferred option). During forbearance, interest continues to accrue on all loan types. You may pay the interest, saving you money over the life of the loan. If you do not pay the interest, your loan holder will add it to your principal balance when your forbearance ends. This increases your total debt. Most forbearances are discretionary - it is completely up to your loan holder to grant one. Under certain provisions, loan holders are required to grant a mandatory forbearance. Forbearance is granted for a limited duration.

See Forbearance Applications/Forms below. Click to download the PDF file that best fits your situation:

Speak with a Representative about various loan repayment options.

Apply for Deferment to temporarily suspend your regular payments.