Working Mother Deferment

To defer repayment for your loan(s) while you are a working mother, you must:

• Have entered or re-entered the workforce within one year preceding this deferment
• Be working full-time (at least 30 hours per week in a position expected to last at least three months) in a position earning not more than $1 per hour above the federal minimum wage
• Be the mother of a preschool-age child who has not yet enrolled in first grade or a higher grade in elementary school

You must provide your lender or servicer with proof of:

• Your rate of pay, such as a pay stub
• The age of your preschool-age child, such as a birth certificate

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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