Loan Deferment

A deferment is a postponement of payment on a loan, during which interest does not accrue if the loan is subsidized.

Eligibility for deferment

You may qualify for a deferment while you are:

  • Enrolled at least half time in an eligible postsecondary school or studying full time in a graduate fellowship program or an approved disability rehabilitation program.
  • Unemployed or meet the lender’s rules for economic hardship (limited to 3 years).

You may also be eligible for a deferment based on qualifying active duty service in the U.S. Armed Forces or National Guard.  Refer to the Master Promissory Note (MPN) for your loan or contact the Direct Loan Servicing Center  for more information about specific qualifications for deferment based on military service.

How to determine if you’re eligible

Bellevue College cannot authorize student loan deferments—only your lender can do this. To find out if you qualify for a deferment, contact the Direct Loan Servicing Center if you have a federal loan, or if you have a private loan, contact your lender.   More information and repayment guidelines on federal loans are available at

Economic hardship

If you are experiencing adverse circumstances or events such as unemployment, disability, or financial difficulties you may want to research a forbearance. Contact your lender to find out if you might be eligible or go to for more information.

Office of the Ombudsman

If you are having repayment problems or service issues with your lender or guarantee agency and are dissatisfied, you can always contact your borrower advocate, the Office of the Ombudsman.

Office of the Ombudsman
877-557-2575 (toll free)

Additional information

Last Updated November 13, 2017