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Temporary Total Disability Deferment
To defer repayment of your loan(s) while you, your spouse, or a dependent is temporarily totally disabled, you must provide your lender with a statement from a physician certifying the disability and:
- Be unable to work or go to school for at least 60 days to recover from an injury or illness
- Not be requesting this deferment based on a condition that existed before you applied for this loan, unless your condition has since substantially deteriorated
- Not be requesting this deferment based on an uncomplicated pregnancy
OR
- Your spouse or dependent must require at least 90 days of continuous nursing or similar care from you, which prevents you from securing full-time employment of at least 30 hours per week in a position expected to last at least three months
Understand your, your spouse's, or your dependent's physician must re-certify this condition every six months to continue this deferment.
The above information summarizes portions of federal regulations promulgated under the Higher Education Act of 1965 (the "Act"), as amended, and the Act itself, and does not purport to be comprehensive or definitive or to summarize or describe all of the provisions thereof. Such summary is qualified in its entirety by reference to such laws.
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