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MIL
MILITARY SERVICE AND POST-ACTIVE DUTY STUDENT
DEFERMENT REQUEST
William D. Ford Federal Direct Loan (Direct Loan) Program/Federal Family
Education Loan (FFEL) Program/Federal Perkins Loan (Perkins Loan) Program
OMB No. 1845-0080
Form Approved
Exp. Date 9/30/2016
WARNING: Any person who knowingly makes a false statement or misrepresentation on this form or any accompanying
document is subject to penalties that may include fines, imprisonment, or bother, under the U.S. Criminal Code and 20
USC 1097.
SECTION 1: BORROWER IDENTIFICATION
SECTION 2: DEFERMENT REQUEST
Before completing this form, carefully read the entire form, including the instructions and other information in
Sections 5, 6, and 7. For the Military Service Deferment, a representative may complete and sign this form on your
behalf if you are unable to do so. Check the appropriate box(es) for the deferment(s) you are requesting. For the Post-
Active Duty Student Deferment, enter the required information in the space provided.
Note: If you are a member of the National Guard (including a member in retired status) during a time when a governor
activated National Guard personnel for active state duty for a period of more than 30 consecutive days and qualify
for a Post-Active Duty Student Deferment, but not the Military Service Deferment, you may request forbearance
for your period of active duty service.
If you have loans that you obtained before going on active duty military service, you may be eligible to limit the interest
rate on your loans to 6% during the period of your active duty military service under the Servicemembers Civil Relief Act
(SCRA). To request a limited interest rate, submit a written request to your loan holder and provide a copy of your
military orders.
(A) Military Service Deferment. I request that my loan holder defer repayment of my eligible loan(s) beginning on
the date I began performing the military service that qualifies me for the deferment and ending 180 days
following completion of my qualifying military service.
(B) Post-Active Duty Student Deferment. I request that my loan holder defer repayment of my eligible loan(s)
following the completion of my qualifying active duty service and any applicable grace period. My deferment will
end the earlier of:
(a) The date I resume enrollment at an eligible school on at least a half-time basis; or
(b) 13 months following the completion date of my active duty service and any applicable grace period.
If I am also granted a Military Service Deferment, the 180-day period described in Item A above will run at the
same time as my Post-Active Duty Student Deferment period. Therefore, I will receive no more than 13 months
of deferment following the completion of my qualifying military service.
Enter the name of the school where you were enrolled on at least a half-time basis when you were called to
active duty or within 6 months before the date you were called to active duty, and the date you were last
enrolled at least half time at the school:
Name of School
Date Last Enrolled At Least Half Time
Please enter or correct the following information.
Check this box if any of your information has changed.
SSN
Name
Address
City, State, Zip Code
Telephone – Primary
E-mail (optional)
Telephone – Alternate
- -
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SECTION 3: BORROWER CERTIFICATIONS AND AUTHORIZATION
I certify that: (1) The information I have provided on this form is true and correct. (2) I will provide additional
documentation to my loan holder, as required, to support my deferment status. (3) I will notify my loan holder
immediately when the condition(s) that qualified me for the deferment ends. (4) I have read, understand, and meet
the eligibility requirements and terms and conditions of the deferment(s) for which I have applied, as explained in
Sections 2, 6, and 7.
I authorize the loan holder to which I submit this request (and its agents or contractors) to contact me regarding my
request or my loan(s), including repayment of my loan(s), at the number that I provide on this form or any future
number that I provide for my cellular telephone or other wireless device using automated telephone dialing
equipment or artificial or prerecorded voice or text messages.
(or Representative’s for Military Service Deferments only)
Representative’s Name (if applicable) Relationship to Borrower
TelephoneRepresentative’s Address
SECTION 4: AUTHORIZED OFFICIAL’S CERTIFICATION
Note: As an alternative to completing this section, the borrower or representative may submit a written statement
from the borrower’s commanding or personnel officer or a copy of the borrower’s military orders. The statement or
copy must include all information needed to establish the borrower’s eligibility for the requested deferment(s),
including the period of the qualifying service. If the borrower is/was serving in an area of hostilities in which service
qualifies for special pay under 37 USC 310, the statement or copy must identify the hostile fire/imminent danger pay
area in which the borrower is/was on active duty.
I certify, to the best of my knowledge and belief, that:
The borrower’s service meets the eligibility requirements for the deferment(s) indicated in Section 2 and as
described in Sections 6 and 7, as applicable.
The borrower’s service begins/began on
The borrower’s service ends/ended on (mm-dd-yyyy)
(mm-dd-yyyy)
If the borrower is requesting a Military Service Deferment (see Section 2, Item A)
(1) The borrower is (check one):
A Reserve/retired member called to active duty under 10 USC 12301(a), 12301(g), 12302, 12304, 12306, or 688.
On full-time National Guard duty as defined in 10 USC 101(d)(5) under a call to active duty service authorized by
the President or the Secretary of Defense.
Reassigned to another duty station other than where the member is normally assigned.
Note: If none of the above conditions apply, do not complete this form.
(2) The reassignment/call to active duty/full-time National Guard duty is in connection with the following
contingency operation, national emergency, or war: Operation Enduring Freedom Operation New Dawn
National emergency, war, or other contingency operation (identify)
Note: If the borrower’s service is not in connection with a contingency operation, national emergency, or war, as
defined in Section 6, do not complete this form.
(3) If applicable, by checking this box I further certify that the borrower is/was serving in an area of hostilities in
which service qualifies for special pay under 37 USC 310.
Name of Military Branch or National Guard Component
Borrower Name: Borrower SSN:
- -
Date
Borrower’s Signature
Address City, State, Zip Code
Name/Title of Authorized Official Telephone
Authorized Official’s Signature Date
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SECTION 5: INSTRUCTIONS FOR COMPLETING THE FORM
Type or print using dark ink. Enter dates as month-day-year (mm-dd-yyyy). Use only numbers. Example: January 31,
2013 = 01-31-2013. An authorized official must complete Section 4, or a copy of your military orders or a written
statement from your commanding or personnel officer must be attached. Include your name and social security number
on any documentation that you are required to submit with this form. If you need help completing this form, contact
your loan holder. If you are applying for a deferment(s) on loans that are held by different loan holders, you must submit
a separate deferment request to each loan holder.
Return the completed form and any required documentation to the address shown in Section 8.
SECTION 6: DEFINITIONS
For the Military Service Deferment only--
• Active duty means full-time duty in the active
military service of the United States as defined in 10
USC 101(d)(1), but does not include training or
attendance at a service school.
• Serving on active duty during a war or other military
operation or national emergency means service by
an individual who is (1) a Reserve of an Armed Force
ordered to active duty under 10 USC 12301(a),
12301(g), 12302, 12304, or 12306; (2) a retired
member of an Armed Force ordered to active duty
under 10 USC 688 for service in connection with a
war or other military operation or national
emergency, regardless of the location at which the
active duty service is performed; or (3) any other
member of an Armed Force on active duty in
connection with the emergency or subsequent
actions or conditions who has been assigned to a
duty station at a location other than the location
where the member is normally assigned.
• Military operation means a contingency operation as
defined in 10 USC 101(a)(13). A contingency
operation is a military operation that (1) is
designated by the Secretary of Defense as an
operation in which members of the Armed Forces
are or may become involved in military actions,
operations, or hostilities against an enemy of the
United States or against an opposing military force;
or (2) results in the call or order to, or retention on,
active duty of members of the uniformed services
under 10 USC 688, 12301(a), 12302, 12304, 12305,
or 12406; 10 USC Chapter 15; or any other provision
of law during a war or during a national emergency
declared by the President or Congress.
• National emergency means the national emergency
by reason of certain terrorist attacks declared by the
President on September 14, 2001, or subsequent
national emergencies declared by the President by
reason of terrorist attacks.
• Qualifying National Guard duty during a war or
other operation or national emergency means
training or other duty, other than inactive, performed
by a member of the National Guard on full-time
National Guard duty, as defined in 10 USC 101(d)(5),
under a call to active service authorized by the
President or the Secretary of Defense. The training or
other duty must be performed for more than 30
consecutive days under 32 USC 502(f) in connection
with a war, other military operation, or national
emergency as declared by the President and
supported by federal funds.
For the Post-Active Duty Student Deferment only--
• For a Reserve or retired member of an Armed Force,
active duty means full-time duty in the active
military service of the United States as defined in 10
USC 101(d)(1) for at least 30 consecutive days of
service, but does not include training or attendance
at a service school.
• For a member of the National Guard, active duty
means (1) active state duty under which a governor
activates National Guard personnel based on state
law or policy and the activities of the National Guard
are paid for with state funds; and (2) full-time
National Guard duty under which a governor is
authorized, with the approval of the President or the
Secretary of Defense, to order a member to state
active duty and the activities of the National Guard
are paid for with federal funds. Active duty for this
deferment does not include (1) active duty for
training or attendance at a service school, or (2)
employment in a full-time, permanent position in the
National Guard unless you are reassigned to active
state duty or full-time National Guard duty as
described in (1) and (2) of the preceding sentence.
An authorized certifying official who may complete
Section 4 is your commanding or personnel officer.
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Capitalization is the addition of unpaid interest to the
principal balance of your loan. The principal balance of a
loan increases when payments are postponed during
periods of deferment or forbearance and unpaid
interest is capitalized. As a result, more interest may
accrue over the life of the loan, the monthly payment
amount may be higher, or more payments may be
required. The chart below provides estimates, for a
$15,000 unsubsidized loan balance at a 6.8% interest
rate, of the monthly payments due following a 12-
month deferment that started when the loan entered
repayment. It compares the effects of paying the
interest as it accrues, capitalizing the interest at the end
of the deferment, and capitalizing interest quarterly and
at the end of the deferment. Please note that the U.S.
Department of Education (the Department) and many
other holders do not capitalize interest on a quarterly
basis. The actual loan interest charges will depend on
your interest rate, length of the deferment, and
frequency of capitalization. Paying interest during the
period of deferment lowers the monthly payment by
about $12 and saves about $426 over the lifetime of the
loan, as depicted in the chart below.
A deferment is a period during which you are entitled
to postpone repayment of the principal balance of your
loan(s). Interest does not accrue during a deferment on
Perkins Loan Program loans, a Direct Subsidized Loan, a
subsidized Direct Consolidation Loan, a subsidized
Federal Stafford Loan, or, in some cases, the subsidized
portion of a Federal Consolidation Loan (see Note).
Interest does accrue during a deferment on a Direct
Unsubsidized Loan, a Direct PLUS Loan, an unsubsidized
Direct Consolidation Loan, an unsubsidized Federal
Stafford Loan, a Federal PLUS Loan, or a Federal SLS
Loan unless you qualify for the no interest accrual
benefit for active duty service members (see Section 7).
Note: Interest does not accrue on a Federal
Consolidation Loan during a deferment only if: (1) the
application for the Federal Consolidation Loan was
received by your loan holder on or after January 1,
1993, but before August 10, 1993; (2) the application
was received by your loan holder on or after August 10,
1993, and the Federal Consolidation Loan includes only
Federal Stafford Loans that were eligible for federal
interest subsidy; or (3) the application was received by
your loan holder on or after November 13, 1997, in
which case interest does not accrue on the portion of
the Federal Consolidation Loan that paid a subsidized
Direct Loan and/or FFEL Program loan(s).
The Federal Family Education Loan (FFEL) Program
includes Federal Stafford (Stafford) Loans, Federal PLUS
(PLUS) Loans, Federal Consolidation (Consolidation)
Loans, and Federal Supplemental Loans for Students
(SLS).
The Federal Perkins Loan (Perkins Loan) Program
includes Federal Perkins Loans, National Direct Student
Loans (NDSL), and National Defense Student Loans
(Defense Loans).
A forbearance is a period during which you are
permitted to temporarily postpone making payments,
allowed an extension of time for making payments, or
temporarily allowed to make smaller payments than
scheduled.
The holder of your Direct Loan Program loan(s) is the
Department. The holder of your FFEL Program loan(s)
may be a lender, guaranty agency, secondary market, or
the Department. The holder of your Perkins Loan
Program loan(s) may be a school or the Department.
The William D. Ford Federal Direct Loan (Direct Loan)
Program includes Federal Direct Stafford/Ford (Direct
Subsidized) Loans, Federal Direct Unsubsidized
Stafford/Ford (Direct Unsubsidized) Loans, Federal
Direct PLUS (Direct PLUS) Loans, and Federal Direct
Consolidation (Direct Consolidation) Loans.
*Total amount repaid includes $1,022.09 of interest paid during the 12-month period of deferment.
Treatment of Interest
Accrued During Deferment
Loan
Amount
Capitalized
Interest for
12 Months
Principal
to Be
Repaid
Monthly
Payment
Number
of
Payments
Total
Amount
Repaid
Total
Interest
Paid
Interest is paid $15,000.00 $0.00 $15,000.00 $172.62 120 $21,736.55* $6,730.66
Interest is capitalized at the
end of deferment
$15,000.00 $1,022.09 $16,022.09 $184.38 120 $22,125.94 $7,119.64
Interest is capitalized
quarterly during deferment
and at the end of deferment
$15,000.00 $1,048.51 $16,048.51 $184.69 120 $22,162.41 $7,156.10
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SECTION 7: ELIGIBILITY REQUIREMENTS AND TERMS/CONDITIONS
Military Service Deferment eligibility requirements:
You may defer repayment of your loan(s) while you are
(1) serving on active duty during a war or other military
operation or national emergency, or (2) performing
qualifying National Guard duty during a war or other
military operation or national emergency, and for an
additional 180 days following the completion of your
qualifying military service. You must provide your loan
holder with a copy of your military orders or a written
statement from your commanding or personnel officer,
or you must have your commanding or personnel
officer certify in Section 4 on this form.
Post-Active Duty Student Deferment eligibility
requirements: You may defer repayment of your
loan(s) after your active duty military service and any
applicable grace period until the earlier of (a) the date
you resume enrollment at an eligible school on at least
a half-time basis, or (b) 13 months following the
completion of your active duty military service and any
applicable grace period, if (1) you are a member of the
National Guard or other reserve component of the
Armed Forces or a retired member, and your service
includes a period on or after October 1, 2007; (2) you
were enrolled at least half time at an eligible school
when you were called to active duty or within 6 months
before the date you were called to active duty; (3) you
provide your loan holder with the name of the school
you attended and your last date of attendance; and (4)
you provide your loan holder with a copy of your
military orders or a written statement from your
commanding or personnel officer, or your commanding
or personnel officer certifies in Section 4 on this form.
You are not required to make payments of loan
principal during your deferment. Interest will not
accrue on your Perkins Loan Program loan(s) or on your
subsidized Direct Loan or FFEL Program loan(s) during
your deferment. However, interest will accrue on your
unsubsidized Direct Loan and FFEL Program loans,
unless you qualify for the Direct Loan Program’s
no interest accrual benefit for active duty service
members as explained below.
You may pay the interest that accrues on your
unsubsidized Direct Loan and FFEL Program loans
during your deferment. Your loan holder may capitalize
interest that you do not pay during the deferment
period on your unsubsidized Direct Loan and FFEL
Program loans.
If your deferment does not cover all your past due
payments, your loan holder may grant a forbearance
on your loan(s) for all payments due before the begin
date of your deferment. If the period for which you are
eligible for a deferment has ended, your loan holder
may grant a forbearance on your loan(s) for all
payments due when your deferment request is
processed. Interest that accrues during this
forbearance may be capitalized. Unpaid interest that
accrues on a Perkins Loan Program loan during a
forbearance period is not capitalized.
Your loan holder may grant a forbearance on your
Direct Loan and/or FFEL Program loan(s) for up to 60
days, if necessary, for the collection and processing of
documentation related to your deferment request.
Interest that accrues during this forbearance period will
not be capitalized.
If you are a Direct Loan borrower, no interest will be
charged on your Direct Loan Program loan(s) that was
first disbursed on or after October 1, 2008, or on the
portion of a Direct Consolidation Loan that repaid a
Direct Loan and/or FFEL Program loan(s) that was first
disbursed on or after October 1, 2008, for a period not
to exceed 60 months while you:
• Qualify for a Military Service Deferment (see Section
2, Item A) as described in Sections 6 and 7, and
• Serve in an area of hostilities in which service
qualifies for special pay under 37 USC 310, as
certified by an authorized official in Section 4, or
documented in a written statement from your
commanding or personnel officer or in a copy of your
military orders.
SECTION 8: WHERE TO SEND THE COMPLETED DEFERMENT REQUEST
Return the completed form and any required
documentation to:
(If no address is shown, return to your loan holder.)
If you need help completing this form, call:
(If no telephone number is shown, call your loan holder.)
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SECTION 9: IMPORTANT NOTICES
Privacy Act Notice. The Privacy Act of 1974 (5 USC 552a)
requires that the following notice be provided to you:
The authority for collecting the requested information
from and about you is §421 et seq., §451 et seq., and/or
§461 et seq. of the Higher Education Act (HEA) of 1965, as
amended (20 USC 1071 et seq., 20 USC 1087a et seq.,
and/or 20 USC 1087aa et seq.), and the authorities for
collecting and using your Social Security Number (SSN) are
§484(a)(4) of the HEA (20 USC 1091(a)(4)) and 31 USC
7701(b). Participating in the Federal Family Education Loan
(FFEL) Program, William D. Ford Federal Direct Loan (Direct
Loan) Program, and Federal Perkins Loan (Perkins)
Program and giving us your SSN are voluntary, but you
must provide the requested information, including your
SSN, to participate.
The principal purposes for collecting the information on
this form, including your SSN, are to verify your identity, to
determine your eligibility to receive a loan or a benefit on
a loan (such as a deferment, forbearance, discharge, or
forgiveness) under the FFEL Program, Direct Loan
Program, and/or Perkins Program, to permit the servicing
of your loan(s), and, if it becomes necessary, to locate you
and to collect and report on your loan(s) if your loan(s)
become delinquent or in default. We also use your SSN as
an account identifier and to permit you to access your
account information electronically.
The information in your file may be disclosed, on a case-
by-case basis or under a computer matching program, to
third parties as authorized under routine uses in the
appropriate systems of records notices. The routine uses
of this information include, but are not limited to, its
disclosure to federal, state, or local agencies, to private
parties such as relatives, present and former employers,
business and personal associates, to consumer reporting
agencies, to financial and educational institutions, and to
guaranty agencies in order to verify your identity, to
determine your eligibility to receive a loan or a benefit on
a loan, to permit the servicing or collection of your
loan(s), to enforce the terms of the loan(s), to investigate
possible fraud and to verify compliance with federal
student financial aid program regulations, or to locate you
if you become delinquent in your loan payments or if you
default. To provide default rate calculations, disclosures
may be made to guaranty agencies, to financial and
educational institutions, or to state agencies. To provide
financial aid history information, disclosures may be made
to educational institutions. To assist program
administrators with tracking refunds and cancellations,
disclosures may be made to guaranty agencies, to financial
and educational institutions, or to federal or state
agencies. To provide a standardized method for
educational institutions to
efficiently submit student enrollment status, disclosures
may be made to guaranty agencies or to financial and
educational institutions. To counsel you in repayment
efforts, disclosures may be made to guaranty agencies, to
financial and educational institutions, or to federal, state,
or local agencies.
In the event of litigation, we may send records to the
Department of Justice, a court, adjudicative body,
counsel, party, or witness if the disclosure is relevant
and necessary to the litigation. If this information, either
alone or with other information, indicates a potential
violation of law, we may send it to the appropriate
authority for action. We may send information to
members of Congress if you ask them to help you with
federal student aid questions. In circumstances involving
employment complaints, grievances, or disciplinary
actions, we may disclose relevant records to adjudicate
or investigate the issues. If provided for by a collective
bargaining agreement, we may disclose records to a
labor organization recognized under 5 USC Chapter 71.
Disclosures may be made to our contractors for the
purpose of performing any programmatic function that
requires disclosure of records. Before making any such
disclosure, we will require the contractor to maintain
Privacy Act safeguards. Disclosures may also be made to
qualified researchers under Privacy Act safeguards.
Paperwork Reduction Notice. According to the
Paperwork Reduction Act of 1995, no persons are
required to respond to a collection of information unless
it displays a currently valid OMB control number. Public
reporting burden for this collection of information is
estimated to average 0.5 hours (30 minutes) per
response, including the time for reviewing instructions,
searching existing data resources, gathering and
maintaining the data needed, and completing and
reviewing the information collection. Individuals are
obligated to respond to this collection to obtain a benefit
in accordance with 34 CFR 674.34, 682.210, or 685.204.
Send comments regarding the burden estimate(s) or any
other aspect of this collection of information, including
suggestions for reducing this burden to the U.S.
Department of Education, 400 Maryland Avenue, SW,
Washington, DC 20210-4537 or e-mail
ICDocketMgr@ed.gov and reference OMB Control
Number 1845-0080. Note: Please do not return the
completed form to this address.
If you have questions regarding the status of your
individual submission of this form, contact your loan
holder (see Section 8).