Fill out In-School Deferment Request online
The In-School Deferment Request form allows federal student loan borrowers to temporarily postpone their loan payments while enrolled at least half-time in an eligible college or career school. During deferment, interest does not accrue on subsidized loans.
How to fill out In-School Deferment Request
Enter borrower information
Provide your name, Social Security number, date of birth, address, phone number, and email address.
Select your deferment type
Indicate whether you are requesting deferment based on at least half-time enrollment, a graduate fellowship, or a rehabilitation training program.
Provide school information
Enter the name and address of the school you are attending (or will attend). Include your expected enrollment dates and at least half-time enrollment status.
Obtain school certification and submit
Have your school complete the enrollment certification section (Section 6) confirming your enrollment status and dates. Sign the form and submit it to your loan servicer.
About In-School Deferment Request
Who needs this form
Federal student loan borrowers who are enrolled at least half-time at an eligible postsecondary school and want to temporarily stop making payments. Also available to borrowers studying in an approved graduate fellowship program or in an approved rehabilitation training program for people with disabilities.
Where to submit
Submit the completed form to your loan servicer. Your school may need to certify your enrollment status. Contact your loan servicer for specific submission instructions.
Source and content freshness
- Reviewed: 2026-02-16
- Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.
Common mistakes to avoid
- Not having the school certify enrollment status (Section 6 must be completed by the school)
- Assuming deferment is automatic when you return to school (you must request it)
- Not realizing that interest continues to accrue on unsubsidized and PLUS loans during deferment
- Waiting too long to submit the request (deferred status is not retroactive in all cases)
Frequently asked questions
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Does interest accrue during an in-school deferment?
It depends on the loan type. For Direct Subsidized Loans and Subsidized Federal Stafford Loans, the government pays the interest during deferment. For Direct Unsubsidized Loans, Direct PLUS Loans, and Unsubsidized Federal Stafford Loans, interest continues to accrue and may be capitalized (added to your principal balance) when deferment ends.
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