Your servicer may allow you to temporarily reduce your monthly payment amount, extend repayment length, or temporarily stop making payments if you apply for a forbearance.1 However, a forbearance is generally granted at the discretion of your servicer, and you may be asked to provide reason or documentation to prove your eligibility. Your loan servicer is required to grant a forbearance if you:
- Are serving in a medical or dental internship or residency program, if you meet certain criteria
- Are serving in a national service position for which you receive a national service education award under the National and Community Service Trust Act of 1993
- Qualify for partial repayment of your loans under the Student Loan Repayment Program, as administered by the Department of Defense
- Have a monthly debt burden for Title IV loans that collectively equals or exceeds 20% of your total monthly gross income
1 The borrower remains liable for the interest that accrues on the loan during the forbearance period.
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