:: Temporary Total Disability Deferment ::
This deferment is for the Federal Family Education Loan (FFEL) Program. Contact your loan servicer to discuss your options and download a Temporary Total Disability Deferment Request Form PDF. You must continue making your payment until you're notified that a deferment has been granted.
Maximum Time Limit: 3 years
To qualify for this deferment, you must have an outstanding balance on a FFELP loan made before July 1, 1993. In addition, you must be unable to work and earn money, or go to school for at least 60 days in order to recover from an injury or illness. You can't request the deferment based on a condition that existed before applying for the loan, unless the condition has since substantially deteriorated. You must not be requesting the deferment based on an uncomplicated pregnancy.
To be eligible for the deferment based on a dependent's or spouse's disability, the spouse or dependent must require at least 90 days of continuous nursing or similar care from the borrower, preventing him/her from securing full-time employment of at least 30 hours per week in a position expected to last at least three months.
Eligibility for this deferment must be re-certified every six months. You may receive a combined total of three years of disability deferment for both your own condition and the condition of your dependent(s) or spouse.