Loan Deferment Navigator

Enter your existing balances and current interest rates of the loans you wish to consolidate in this worksheet. Enter whole dollar amounts (no cents) without commas. For example, do not use commas in values of $1,000 or more.

To review your deferment eligibility options, choose an eligibility chart based on your loan type and when your oldest outstanding loan of that type was first disbursed.

Federal Family Education Loan Program (Federal Stafford (subsidized and unsubsidized), PLUS (Parent Loans for Undergraduate Students), SLS (Supplemental Loan for Students) and Federal Consolidation Loans):

Disbursed prior to July 1, 1987
Disbursed from July 1, 1987 to June 30, 1993
Disbursed on or after July 1, 1993

Federal Perkins Loans:

Disbursed prior to July 1, 1993
Disbursed on or after July 1, 1993