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      Economic Hardship Deferment Request

      People with low income or other financial trouble, as well as Peace Corps volunteers, may be able to temporarily pause their federal student loan payments.
      Updated: January 29, 2016

      How To Qualify

      You qualify with any one of the following:

      • Pay stubs or tax documents proving you have a low income (less than 150% of the poverty level for your family size and state). When you fill out the form, list your gross (before taxes) income per month.
      • Proof you are enrolled in a needs-tested public assistance program like Temporary Assistance to Needy Families (TANF), Supplemental Security Income (SSI), food stamps, or a state assistance program. Note that regular Social Security retirement income or unemployment benefits do not count as public assistance for this deferment because they are not based on a needs or income test.
      • Proof that you have an approved economic hardship deferment request for other eligible federal student loans. (This is only for people with some FFELP and some Direct loans.)
      • Proof that you are in the Peace Corps.

      Note that if you have already missed some payments, you may back-date the beginning of deferment. Ask your servicer for details.

      Remember, deferment time is limited, so use it only if you really need it. If you are unemployed or working only part time, you may qualify to use the unemployment deferment form instead. An income-driven repayment plan may be a more viable long-term plan as well.

      How To Apply

      Send the form to your servicer (the company that sends you the bills).

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      Solicitud de Aplazamiento de Pagos por dificultades económicas

      People with low income or other financial trouble, as well as Peace Corps volunteers, may be able to temporarily pause their federal student loan payments.
      Actualizado: 29 enero 2016

      ¿Para qué sirve?: Detiene los pagos para personas con ingresos bajos u otros problemas financieros, también para los voluntarios del Cuerpo de Paz.

      Calificas al cumplir con una de las siguientes opciones:

      • Recibos de pago o documentos fiscales en los que se demuestre que tienes bajos ingresos (menos del 150% del nivel de pobreza para el tamaño de tu familia). Menciona tu ingreso bruto (antes de impuestos) mensual cuando llenes el formulario.
      • Un comprobante de que estás inscrito en un programa de asistencia temporal para familias necesitadas (TANF, por sus siglas en inglés), Ingreso del Seguro Social (SSI, por sus siglas en inglés), cupones para alimentos, o un programa estatal de asistencia. Ten en cuenta  que los ingresos por jubilación del Seguro Social no cuentan como asistencia pública para este Aplazamiento de Pagos.
      • Un comprobante de que tienes una solicitud de Aplazamiento de Pagos por dificultades económicas aprobada para otros préstamos estudiantiles federales elegibles. (Solo para personas con algunos préstamos FFELP y Direct Loans).
      • Un comprobante de que estás en el Cuerpo de Paz.

      Si estas atrasado en tus pagos cuando estas aplicando para el Aplazamiento, puedes pedir que tu Aplazamiento cubra los pagos que estan retrasados. Pregunta a tu administrador de préstamos para obtener más detalles.

      Recuerda, el tiempo de la Aplazamiento de Pagos es limitado. Úsalo solo si de verdad lo necesitas.

      Envíe el formulario a: Su administrador (la compañía que le envía las facturas). Si usted no sabe quién es, puede ir a la base de datos del National Student Loan Data System (NSLDS®) para averiguarlo.

      Nota: Si usted está desempleado o trabajando sólo a tiempo parcial, es posible que califique para utilizar el uso del formulario Aplazamiento de Pagos por desempleo en su lugar.

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