Deferments
Interest does not accrue and payments need not be made during any period of eligibility
for deferment. Deferments are not granted in advance. A deferment of repayment is
granted to borrowers who file a properly executed and certified request at the START
of a period of eligibility. Deferment request forms must be submitted in a timely
manner. One of the following deferrals may apply to your loan(s).
Deferment Condition:
- At least half-time enrollment as a student
- Rehabilitation training
- Graduate fellowship study
- Eligible internship or residency program
- Inability to secure full-time employment
- Economic hardship
- Forbearance
- Peace Corps/ACTION program volunteer
- Full-time volunteer for tax-exempt organization in service comparable to Peace Corps
or ACTION
- U.S. Armed Services
- Nurse/medical technician providing health care services
- Employment in Head Start Program
- Teacher in designated low-income school
- Teacher of special education, including teachers of infants toddlers, children or
youth with disabilities
- Provider of early intervention services
- Teacher of mathematics, science, foreign languages, bilingual education or other field
of expertise determined by state education agency to have a shortage of qualified
teachers
- Provider or supervisor of provision of services to high-risk children from low income
communities and their families
If you think you qualify for these benefits, you must apply with a proper request
form. To obtain a deferral or cancellation request form, please visit www.heartlandecsi.com or call our office at 970-351-1197.
