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
WARNING: Any person who knowingly makes a false statement or misrepresentation on this form or on
any accompanying document is subject to penalties that may include fines, imprisonment, or both, under
the U.S. Criminal Code and 20 U.S.C. 1097.
OMB No. 1845-0080
Form Approved
Exp. Date 11/30/2019
LS710 - XDFR
SECTION 1: BORROWER INFORMATION
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
Telephone - Alternate
Email (Optional)
SECTION 2: DEFERMENT REQUEST
Before completing this form, carefully read the entire form, including the instructions and other information in
Sections 4, 5, 6, and 7. If you are requesting only the Military Service Deferment, a representative may complete and sign
this form on your behalf if you are unable to do so. You, not a representative, must complete and sign this form if you are
requesting the Post-Active Duty Student Deferment or both deferments.
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 through your loan holder for
your period of active duty service.
Military Service Deferment. By checking this box, 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.
Post-Active Duty Student Deferment. By checking this box, 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 the date I resume enrollment at an eligible school on at least a half-time basis or 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 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
Page 1 of 6
Borrower Name
Borrower SSN
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
conditions 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, 4, 6, and 7.
I authorize the entity to which I submit this request and its agents to contact me regarding my request or my loan(s) at any
cellular telephone number that I provide now or in the future using automated telephone dialing equipment or artificial or
prerecorded voice or text messages.
Borrower's Signature
(or Representative's for Military Service Deferments only)
Date
Representative's Name (if applicable) Relationship to Borrower
Representative's Address
Telephone
SECTION 4: AUTHORIZED OFFICIAL'S CERTIFICATION
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 pay area in which the borrower is/was on active duty.
1.
The borrower's service begins/began on
After completing Item 1, continue to Item 2.
2.
The borrower's service ends/ended on
If the borrower is requesting a Military Service Deferment (see Section 2), continue to Item 3. Otherwise, skip to Item 6.
3. 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.
None of the above - The borrower is not eligible. Do not complete this form.
4. The military service is in connection with (check one):
A contingency operation (continue to Item 5)
A national emergency (continue to Item 5)
A war (continue to Item 5)
None of the above - The borrower is not eligible. Do not complete this form.
5.
Enter the name of the contingency operation, national emergency, or war:
6.
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.
7. I certify, to the best of my knowledge and belief, that the information I have provided in this section is accurate and the
borrower's service meets the eligibility requirements for the deferment(s) checked in Section 2 and as described in
Sections 6 and 7, as applicable.
Name of Military Branch or National Guard Component
Address City, State, Zip Code
Name and Title of Authorized Official Telephone
Authorized Official's Signature
Date
Page 2 of 6
SECTION 5: INSTRUCTIONS FOR COMPLETING THE FORM
Type or print using dark ink. Enter dates as month-day-year (mm-dd-yyyy). Example: January 31, 2017 = 01-31-2017. Include
your name and account number on any documentation that you are required to submit with this form. If you want to apply
for a deferment 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
MILITARY SERVICE DEFERMENT DEFINITIONS
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.
POST-ACTIVE DUTY STUDENT DEFERMENT DEFINITIONS
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.
COMMON DEFINITIONS
An authorized official who may complete Section 4 is
your commanding or personnel officer.
Capitalization is the addition of unpaid interest to the
principal balance of your loan. Capitalization causes more
interest to accrue over the life of your loan and may cause
your monthly payment amount to increase. Interest never
capitalizes on Perkins Loans. Table 1 (on page 4) provides an
example of the monthly payments and the total amount
repaid for a $30,000 unsubsidized loan. The example loan has
a 6% interest rate and the example deferment or forbearance
lasts for 12 months and begins when the loan entered
repayment. The example compares the effects of paying the
interest as it accrues or allowing it to capitalize.
A deferment is a period during which you are entitled to
postpone repayment of your loans. Interest is not generally
charged to you during a deferment on your subsidized loans.
Interest is always charged to you during a deferment on your
unsubsidized loans. On loans made under the Perkins Loan
Program, all deferments are followed by a post-deferment
grace period of 6 months, during which time you are not
required to make payments.
Page 3 of 6
SECTION 6: DEFINITIONS (CONTINUED)
Table 1. Capitalization Chart
Treatment of Interest with
Deferment/Forbearance
Loan Amount
Capitalized
Interest
Outstanding
Principal
Monthly
Payment
Number of
Payments
Total Repaid
Interest is paid $30,000 $0 $30,000 $333 120 $41,767
Interest is capitalized at the
end
$30,000 $1,800 $31,800 $353 120 $42,365
Interest is capitalized
quarterly and at the end
$30,000 $1,841 $31,841 $354 120 $42,420
The Federal Family Education Loan (FFEL ) Program
includes Federal Stafford Loans, Federal PLUS Loans, Federal
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).
The holder of your Direct Loans is the Department. The
holder of your FFEL Program loans may be a lender,
guaranty agency, secondary market, or the Department. The
holder of your Perkins Loans is an institution of higher
education or the Department. Your loan holder may use a
servicer to handle billing and other communications related
to your loans. References to "your loan holder" on this form
mean either your loan holder or your servicer.
A subsidized loan is a Direct Subsidized Loan, a Direct
Subsidized Consolidation Loan, a Federal Subsidized Stafford
Loan, portions of some Federal Consolidation Loans, Federal
Perkins Loans, NDSL, and Defense Loans.
An unsubsidized loan is a Direct Unsubsidized Loan, a
Direct Unsubsidized Consolidation Loan, a Direct PLUS Loan, a
Federal Unsubsidized Stafford Loan, a Federal PLUS Loan, a
Federal SLS, and portions of some Federal Consolidation
Loans.
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.
SECTION 7: ELIGIBILITY REQUIREMENTS AND TERMS/CONDITIONS
Military Service Deferment Eligibility Requirements
You may defer repayment of your loan(s) (1) while you
meet the definitions in Section 6 of (a) "Serving on active
duty during a war or other military operation or national
emergency", or (b) performing "Qualifying National Guard
duty during a war or other operation or national
emergency", and (2) 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 (1) the date you resume enrollment at an
eligible school on at least a half-time basis, or (2) 13 months
following the completion of your active duty military service
and any applicable grace period, if (a) 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;
(b) 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; (c) you provide
your loan holder with the name of the school you attended
and your last date of attendance; and (d) 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.
Terms and Conditions
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.
Page 4 of 6
SECTION 7: ELIGIBILITY REQUIREMENTS AND TERMS/CONDITIONS (CONTINUED)
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 and if your loans were made through
the Direct Loan and/or FFEL Program(s), 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 (1) qualify for a Military Service Deferment (see Section 2)
as described in Sections 6 and 7, and (2) 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 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.)
Page 5 of 6
Note: 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). Your loan holder will check the U.S.
Department of Defense's Defense Manpower Data Center
(DMDC) in conjunction with the information provided with
this deferment request to determine your eligibility.
U.S. Department of Education
Fedloan Servicing
P.O. Box 69184
Harrisburg, PA 17106 - 9184
800 - 699 - 2908
or visit
MyFedloan.org
SECTION 9: IMPORTANT NOTICES
Privacy Act Notice. The Privacy Act of 1974 (5 U.S.C.
552a) requires that the following notice be provided to you:
The authorities for collecting the requested information
from and about you are §421 et seq., §451 et seq., or §461 et
seq. of the Higher Education Act of 1965, as amended (20
U.S.C. 1071 et seq., 20 U.S.C. 1087a et seq., or 20 U.S.C.
1087aa et seq.) and the authorities for collecting and using
your Social Security Number (SSN) are §§428B(f) and 484(a)
(4) of the HEA (20 U.S.C. 1078-2(f) and 1091(a)(4)) and 31
U.S.C. 7701(b). Participating in the William D. Ford Federal
Direct Loan (Direct Loan) Program, Federal Family Education
Loan (FFEL) Program, or Federal Perkins Loan (Perkins Loan)
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 Direct Loan, FFEL, or Federal Perkins
Loan Programs, to permit the servicing of your loans, and, if
it becomes necessary, to locate you and to collect and
report on your loans if your loans become delinquent or
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 loans, to enforce the
terms of the loans, 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 statuses, 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 U.S.C.
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 such
collection displays a valid OMB control number. The valid
OMB control number for this information collection is
1845-0080. Public reporting burden for this collection of
information is estimated to average 30 minutes per
response, including time for reviewing instructions,
searching existing data sources, gathering and maintaining
the data needed, and completing and reviewing the
collection of information. The obligation to respond to this
collection is required to obtain a benefit in accordance with
34 CFR 674.34, 682.210, or 685.204.
If you have comments or concerns regarding the
status of your individual submission of this form, please
contact your loan holder directly (see Section 8).
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