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In-School Deferment

If a borrower graduates or withdraws from school then returns within the original 9-month grace period at least 1/2 time, an in-school deferment may be granted. Half-time status is determined by the borrowers school. Borrowers who return to school as part-time students are not entitled to in-school deferment. Many schools now report enrollment status through the National Student Clearinghouse (NSC) and deferment is processed automatically. To determine if your school reports to NSC please seeĀ NSC's Participating Reporting Enrollment Institutions.

In the event that the borrowers school does not report enrollment through the NSC, it is the borrowers responsibility to provide enrollment verification to the school via an in-school deferment form or other official documentation from the school of attendance. In order to be valid, the enrollment status must be certified by the attending school. Deferments that have not been certified by the school will be denied.