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If borrowers cannot meet their repayment schedule but are ineligible for a deferment (or have exhausted the time limitations), a lender may grant a forbearance. This is a period of time during which you can either make payments lower than those previously scheduled — or delay repayment completely.

  • You must contact your servicer to apply for forbearance, which is granted for a period of up to 12 months at a time.
  • Interest accrues on both subsidized and unsubsidized federal student loans during periods of forbearance.

Mandatory Medical Residency Forbearance

As a medical resident, you are entitled to this forbearance during residency. Your servicer is required to work with you so it is important to identify yourself as a medical resident in order to get this forbearance.