Temporary Total Disability Deferment

"I am, or my dependent or spouse is, temporarily totally disabled."

Temporary Total Disability Deferment — A deferment for borrowers who are temporarily totally disabled or unable to secure or continue employment because they are caring for a dependent or spouse who is temporarily totally disabled.

The maximum cumulative time frame that you may receive this deferment is 3 years. Eligibility must be re-certified every six months by your physician (or your spouse's or dependent's physician).

Qualifications

You may qualify, if:

You have an outstanding balance on at least one FFELP loan that was made before July 1, 1993.
You are, or your spouse or dependent is, temporarily totally disabled.
You are unable to work and earn money or go to school for at least 60 days in order to recover from an injury or illness.
You are not requesting this deferment based on a condition that existed before you applied for your loan(s) (underlying loan(s) in the case of a Consolidation loan), unless your condition has since substantially deteriorated, and you are now temporarily totally disabled.
You are not requesting this deferment based on an uncomplicated pregnancy (either your pregnancy, or your spouse's or dependent's uncomplicated pregnancy). Note: If you are pregnant you may qualify for a Parental Leave Deferment.
You are requesting this deferment based on the disability of your spouse or dependent, and your spouse or dependent has an injury or illness that requires 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.

How to Apply

Download the Temporary Total Disability Deferment Request.
Carefully read the entire form. Certain documentation may be required.
Complete, print, and sign the deferment form. (To enter information into the interactive form, place your cursor in a field or tab from field to field. Turn interactive check boxes on and off by clicking on the box.) Mail it directly to your loan holder. Only your loan holder can approve your deferment request.
If you need further assistance, please contact your lender or servicer or TG Default Prevention.