If you are having difficulty repaying your student loan and are not eligible for a deferment, you may be eligible for a forbearance. This allows you to temporarily reduce or suspend your monthly payments.

While you are in a forbearance period, interest will continue to accrue on you loans. The unpaid interest may be capitalized (added to the principal balance) at the end of the forbearance. You are encouraged to make the accrued interest payment.

The types of forbearance available to you are:

• Forbearance Request Form (The Student Loan People ONLY)
• Federal Forbearance (Access Group ONLY)
• Private Forbearance (Access Group ONLY)
• In-School (Private Loans ONLY)
• Internship/Residency (Private Loan ONLY)
• Teacher Loan Forgiveness Application (federal loans ONLY)
• Teacher Loan Forgiveness Forbearance (federal loans ONLY)
  Teachers who qualify for the loan forgiveness program may have forbearance on their loans during the five qualifying years they teach in a designated "low-income" school.
• Childcare Provider Loan Forgiveness Application
• Childcare Provider Loan Forgiveness Forbearance
  Borrowers who qualify for the loan forgiveness program may have a forbearance on their loans during the qualifying years.