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Forms

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Payment Related Forms

Pay back your loan in a way that is most convenient for you.

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Form Type Form Options
Direct Debit Application

A free and convenient way to make your student loan payments—on time, every month.

Apply Online | View and Print (PDF)
Income Based Repayment (IBR) (FFELP Only)

Your monthly payments are based on your adjusted gross income and family size. If you file your taxes jointly, your spouse's income and eligible loan debt will be taken into consideration. You must re-apply annually for this plan.

Apply Online
Income Sensitive (FFELP Only)

Your monthly payments are based on your monthly gross income and loan debt. You must re-apply annually for this plan.

View and Print (PDF)
Form Type Form Options
Pago Basado en los Ingresos (IBR) (Sólo FFELP)

Sus pagos mensuales se basan en su ingreso bruto ajustado y el tamaño de la familia. Si usted hace su declaración federal de impuestos conjuntamente con su cónyuge, también se tomará en consideración el ingreso bruto ajustado de su cónyuge y la deuda de los préstamos estudiantiles que son elegibles. Usted debe solicitar para este plan anualmente.

Solicite en línea | Revise e Imprima (PDF)

Federal Loan Deferment Forms

Apply for a deferment to temporarily postpone payments on your federal loans.

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Form Type Form Options
Economic Hardship Deferment

For borrowers who receive public assistance, serve in the Peace Corps, receive the deferment on a direct or Perkins loan, or meet specific income criteria.

Apply Online | View and Print (PDF)
Graduate Fellowship Deferment

This deferment may postpone payments for borrowers who:

  • Received a bachelor's degree and are participating in a full-time graduate fellowship program
View and Print (PDF)
In-School Deferment

Is used for full-time or half-time students.

Apply Online | View and Print (PDF)
Military Deferment

For borrowers who:

  • Serve on active duty or perform qualifying National Guard duty during a war or other military operation or national emergency
  • Were ordered to active duty status while enrolled in an eligible school within 6 months before they were called to active duty
View and Print (PDF)
PLUS Borrower with Dependent Student Deferment

Postpone payments on a PLUS loan when the dependent student for whose education the loan was disbursed is:

  • Enrolled full-time at an eligible school
  • Enrolled at least half-time at an eligible school
View and Print (PDF)
Rehabilitation Training Deferment

This deferment may postpone payments for borrowers who are participating in:

  • A full-time rehabilitation training program
View and Print (PDF)
Temporary Total Disability Deferment

Postpone payments for:

  • Borrowers with a condition that prevents them from working or going to school
  • Borrowers caring for a disabled person
View and Print (PDF)
Unemployment Deferment

Postpone payments for borrowers who are seeking full-time employment through an employment agency or are receiving unemployment benefits.

Apply Online | View and Print (PDF)
Form Type Form Options
Aplazamiento por dificultades económicas

Es para prestatarios que reciben asistencia pública, sirven en el Cuerpo de Paz, reciben un aplazamiento en un préstamo Perkins o del Direct Loan Program, o cumplen con los criterios de ingresos específicos.

Revise e Imprima (PDF)
Solicitud de aplazamiento de pago para becas de investigación de posgrado

Este aplazamiento puede posponer los pagos de prestatarios que:

  • Recibieron un título universitario (licenciatura, bachillerato o bachelors degree en inglés) y están participando en un programa de investigación de postgrado (graduate fellowship program) a tiempo completo
Revise e Imprima (PDF)
Aplazamiento por estudios

Es para estudiantes asistiendo a una institución educativa a tiempo completo o medio tiempo.

Revise e Imprima (PDF)
Aplazamiento de pago para prestatarios PLUS con un hijo dependiente que estudia

Este aplazamiento pospone los pagos en un préstamo PLUS cuando el estudiante dependiente para el que se desembolsó el préstamo educativo está:

  • Inscrito a tiempo completo en una institución educativa elegible
  • Inscrito por lo menos medio tiempo en una institución educativa elegible
  • Participando en un programa de rehabilitación y capacitación a tiempo completo
Revise e Imprima (PDF)
Solicitud de aplazamiento de pago del programa de rehabilitición y capacitación

Este aplazamiento puede posponer los pagos de prestatarios que están participando en:

  • Un programa de rehabilitación y capacitación a tiempo completo
Revise e Imprima (PDF)
Aplazamiento de pago por incapacidad total temporal

Este aplazamiento pospone los pagos de:

  • Prestatarios con una condición que les impide trabajar o asistir a una intuición de educación superior
  • Prestatarios cuidando a una persona incapacitada
Revise e Imprima (PDF)
Aplazamiento de pago por desempleo

Este aplazamiento pospone los pagos de prestatarios que están buscando empleo a tiempo completo a través de una agencia de empleo o que están recibiendo beneficios de desempleo.

Solicite en línea | Revise e Imprima (PDF)

Private Education Loan Deferment Forms

Apply for a deferment to temporarily postpone payments on your private education loans.

View Forms

Form Type Form Options
AES/PHEAA Alternative Loan Deferment Form View and Print (PDF)
AUA Deferment Request Form View and Print (PDF)
BANHPL Deferment Request Form View and Print (PDF)
Borrower Deferment Request: For the Health Education Assistance Loan (HEAL) View and Print (PDF)
Citizens Bank School/Internship Residency Deferment Request View and Print (PDF)
EIFC Deferment Request View and Print (PDF)
FAME Deferment Request Form View and Print (PDF)
FAQS Deferment Request Form View and Print (PDF)
FCDB Deferment Request Form View and Print (PDF)
GATE Deferment Agreement View and Print (PDF)
HESC Deferment Request Form View and Print (PDF)
Kinecta Deferment Request View and Print (PDF)
Libermax/Lexington Deferment Request View and Print (PDF)
MRU Holdings, Inc: Request for Deferment View and Print (PDF)
MRU Holdings, Inc: Unemployment Deferment Request View and Print (PDF)
MSLT Deferment Request Form View and Print (PDF)
MSLT Reduced Payment Form View and Print (PDF)
NETS AES/Grants Special Programs: In-School Deferment Request View and Print (PDF)
NETS AES/Grants Special Programs: Public Service Deferment Request View and Print (PDF)
NETS AES/Grants Special Programs: Temporary Total Disability Deferment Request View and Print (PDF)
NETS AES/Grants Special Programs: Unemployment Deferment Request View and Print (PDF)
NGEAP AES/Grants Special Programs: In-School Deferment Request View and Print (PDF)
NGEAP AES/Grants Special Programs: Public Service Deferment Request View and Print (PDF)
NGEAP AES/Grants Special Programs: Temporary Total Disability Deferment Request View and Print (PDF)
NGEAP AES/Grants Special Programs: Unemployment Deferment Request View and Print (PDF)
PNC: Request for Deferment View and Print (PDF)
Privately Insured Loan: Request for Deferment View and Print (PDF)
Raise^ Deferment Request View and Print (PDF)
SunTrust Student Loan: Request for Deferment (Academic Answer) View and Print (PDF)
SunTrust Student Loan: Request for Deferment (Custom Choice/PCON/UFPSL/AAA) View and Print (PDF)
XPRESS Loans: Request for Deferment View and Print (PDF)

Federal Loan Forbearance Forms

Apply for a forbearance to temporarily reduce or postpone payments on your federal loans.

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Form Type Form Options
General Forbearance Form

For borrowers who intend to repay their student loans but show that repaying them now would constitute a hardship, such as financial difficulty.

Apply Online | View and Print (PDF)
Mandatory Forbearance Form
  • Medical or Dental Internship/Residency
  • National Guard
  • Department of Defense Loan Repayment Program
View and Print (PDF)
National and Community Service Forbearance

This is available to borrowers who are serving in Americorps.

For instruction on how to apply, visit the AmeriCorps website.
Natural Disaster Forbearance

This is granted as a temporary relief to borrowers who have adversely been affected by a disaster (flood, hurricane, tornado, wildfires).

Form not required.
A verbal or written request is needed with the following information:

  • The type of natural disaster
  • Whether the disaster affected your home or place of employment
  • Date of the disaster
  • Date you were personally affected by the disaster

View our Affected by National Disaster FAQ for more information.

Student Loan Debt Burden Forbearance Form

For borrowers who have excessive student loan debt (payments equal to or more than 20% of their monthly gross income).

Apply Online | View and Print (PDF)
Teacher Loan Forgiveness Forbearance Request

For borrowers who perform the qualifying teaching service for the Federal Teacher Loan Forgiveness Program.

Apply Online | View and Print (PDF)
Form Type Form Options
Solicitud de suspensión temporal de cobro general

Esta suspensión temporal de cobro es para prestatarios que tienen la intención de pagar los préstamos estudiantiles pero demuestran que efectuar los pagos en este momento constituye una dificultad económica.

Solicite en línea | Revise e Imprima (PDF)
Solicitud de suspensión temporal de cobro obligatoria
  • Internado/Residencia médica o dental
  • Servicio de la Guardia Nacional
  • Programa de pago de préstamos estudiantiles del Departamento de Defensa
Revise e Imprima (PDF)
Suspensión temporal de cobro por Servicio Nacional y Comunitario

Está disponible para prestatarios que están sirviendo en Americorps.

Para instrucciones visite el sitio web de AmeriCorps
Suspensión temporal de cobro debido a un desastre natural

Se le otorga como un alivio temporal a prestatarios que han sido adversamente afectados por un desastre natural (inundación, huracán, tornado, incendios silvestres).

No se requiere un formulario.
Se necesita una petición verbal o por escrito con la siguiente información:

  • El tipo de desastre natural
  • Si el desastre afectó su hogar o lugar de empleo
  • La fecha del desastre
  • La fecha en la que usted fue personalmente afectado por el desastre
Solicitud de suspensión temporal de cobro por carga de la deuda del préstamo estudiantil

Es para prestatarios que tienen una deuda de préstamo estudiantil excesiva (los pagos equivalen o exceden el 20% del ingreso bruto mensual).

Solicite en línea | Revise e Imprima (PDF)

Private Education Loan Forbearance Forms

Apply for a forbearance to temporarily reduce or postpone payments on your private education loans.

View Forms

Form Type Form Options
AES & Key Education Resources Alternative Loan Forbearance Application View and Print (PDF)
AES/Grants Forbearance/Repayment Request Form View and Print (PDF)
AES/PHEAA Alternative Loan Forbearance Form View and Print (PDF)
AES/PHEAA Guaranteed Loan- Request for Forbearance Arrangement View and Print (PDF)
Ally Bank Loan Repayment Option Form View and Print (PDF)
AUA Forbearance Extension Request Form View and Print (PDF)
AUA Forbearance Request Form View and Print (PDF)
AUA Reduced Payment (RP) Request Form View and Print (PDF)
BANHPL Forbearance Request Form View and Print (PDF)
Bank of America Privately Insured Loan Forbearance Request Form View and Print (PDF)
Chase Forbearance Information Form View and Print (PDF)
Citibank Forbearance Request Form View and Print (PDF)
Citizens Bank Alternative Loan Forbearance Request View and Print (PDF)
Citizens Bank School/Internship Residency Forbearance Request View and Print (PDF)
Deutsche Bank Private Student Loan Request for Hardship Forbearance View and Print (PDF)
Economic Hardship Forbearance Request: ADEAL and ADEALB Guaranteed by HICA View and Print (PDF)
EIFC Forbearance Request View and Print (PDF)
FAME Forbearance Request Form View and Print (PDF)
FAQS Alternative Repayment Option/Forbearance Request Form View and Print (PDF)
FCDB Alternative Repayment Option/Forbearance Request Form View and Print (PDF)
FDDB DOD Forbearance Request Form View and Print (PDF)
FCDB Internship/Residency Forbearance Request Form View and Print (PDF)
First National Bank of PA Alternative Repayment Option Form View and Print (PDF)
GATE Forbearance Agreement View and Print (PDF)
HEAL Forbearance Request View and Print (PDF)
HESC Forbearance Request View and Print (PDF)
In-School Forbearance: Administrative Forbearance Request View and Print (PDF)
Kinecta Forbearance Request View and Print (PDF)
Libermax/Lexington Forbearance Request View and Print (PDF)
MGRS Repayment Schedule Request Forms View and Print (PDF)
MRU Holdings, Inc Forbearance Request View and Print (PDF)
MSLT Forbearance Request View and Print (PDF)
MSLT Reduced Repayment Schedule Request Form View and Print (PDF)
NCT Forbearance Request View and Print (PDF)
NETS AES/Grants Special Programs Forbearance Request View and Print (PDF)
Please Loan Alternative Repayment Option Form View and Print (PDF)
PNC Access Group Forbearance Request View and Print (PDF)
PNC Hardship Forbearance Request View and Print (PDF)
Privately Insured Loan Repayment Option Form View and Print (PDF)
Raise^ Forbearance Request View and Print (PDF)
Residency/Postdoctoral Enrollment Status Form View and Print (PDF)
Rocky Vista Forbearance Request Form View and Print (PDF)
SunTrust Bank Private Student Loan: Request for Forbearance (Academic Answer) View and Print (PDF)
SunTrust Student Loan: Request for Forbearance (Custom Choice/PCON/UFPSL/AAA) View and Print (PDF)
UFSB Forbearance Request Form View and Print (PDF)
XPRESS Loans Request for Hardship Forbearance View and Print (PDF)

Forgiveness and Discharge Forms

Find out if you are eligible to have your loan debt reduced or eliminated.

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Form Type Form Options
False Certification (Ability to Benefit) Loan Discharge Application

Your school certified your loan even though you didn't have the ability to benefit from the education.

View and Print (PDF) | More Information
False Certification (Disqualifying Status) Loan Discharge Application

Your school certified your loan even though you had a physical condition, mental condition, or legal concern that would legally bar employment in your field of study.

View and Print (PDF) | More Information
False Certification (Unauthorized Signature/Unauthorized Payment) Loan Discharge Application

Your school signed your name—without your authorization—on a loan application or promissory note.

View and Print (PDF) | More Information
School Closure Discharge Application

Your school closed and you couldn't complete your program.

View and Print (PDF) | More Information
Spouses and Parents of September 11, 2001 Victims Loan Discharge Application

Your spouse or child was an eligible public servant or victim of the September 11, 2001, terrorist attacks.

There is currently no federal application for requesting this discharge.

Contact us to discuss your situation. You will need to present evidence in order to be considered for this discharge program.

Teacher Loan Forgiveness Application

You teach full-time at a low-income school and meet other qualifications.

Apply Online | View and Print (PDF) | More Information
Total Permanent Disability Discharge Application

If you have a medically determinable physical or mental impairment or are a veteran with a service-connected condition, you may qualify for a discharge based on a total and permanent disability.

For an application, visit the Nelnet Total and Permanent Disability Servicer website or call 1-888-303-7818.

Unpaid Refund Loan Discharge Application

You didn't receive a tuition refund from your school.

View and Print (PDF) | More Information
Form Type Form Options
Condonación por discapacidad total y permanente (TPD, por sus siglas en inglés)

Si usted tiene un impedimento físico o mental médicamente determinable o es un veterano con una condición relacionada al servicio, quizás califique para una condonación de préstamo basada en una discapacidad total y permanente.

Para obtener una solicitud, visite el sitio web de la entidad administradora Nelnet Total and Permanent Disability o llame al 1-888-303-7818


Other Account Related Forms

Find the account related form you're looking for.

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Form Type Form Options
Account Authorization

Designate a third party who can discuss your loan account on your behalf.

How to Apply
Co-signer Release

Depending on the lender, you may be eligible for co-signer release after meeting certain requirements.

Learn more about co-signer release.

Contact Us for Eligibility
Direct Credit Dispute Form

If you feel we have credit reported you in error, you may file a credit dispute to us.

View and Print (PDF)
PHEAA Default Credit Dispute Form

If you have defaulted loans being serviced by PHEAA and you feel you have been credit reported in error, you may file a credit dispute.

View and Print (PDF)
Servicemember Civil Relief Act (SCRA): Interest Rate Limitarion Request Form

Servicemembers eligible for this benefit will have the interest rate capped at 6% for student loans incurred prior to their military service. Additionally, all costs and fees will be waived during their service. This benefit may be applied to federal loans no earlier than August 14, 2008.

View and Print (PDF)
Form Type Form Options
Formulario para disputas de crédito directas

Si usted cree que le hemos reportado al crédito en error, usted puede presentar una disputa de crédito con nosotros.

Revise e Imprima (PDF)

Private Loans

  • If you have private education loans and need more information about repayment plans or if the use of a deferment or forbearance is right for you, please contact us.

Online Tools

Repayment Plans

Help Me Choose a Form

  • Our interactive Eligibility Quiz will help determine what option you may be eligible for.

Keep in Mind

  • If you use a deferment or forbearance, your eligibility may be delayed, or you may be disqualified for any incentive programs that your lenders may offer.