<p>According to the deferment request form, application of deferment due to enrolling in school carries the remark "form required for each quarter/sem. after official registration". Does this apply to the Stafford loans too? So for each semester of my possibly long PhD, I will have to apply for deferment each time? This sounds like such a pain.</p>
<p>What is more painful: making payments every month while you are in grad school or apply for deferment every semester?</p>
<p>Well at least with making payments you can send the payments and not worry about whether it was approved or denied.</p>
<p>It will always be approved if you carry full time load. Make sure you apply for deferment, not forbearance.</p>
<p>What I’m saying is, in the application there’s a start of deferment and end of deferment to be requested. So one does the end of deferment to be the end of one semester, and the next semester one applies for deferment for the next period? Or you have to keep sending forms even if you apply for a deferment period of 4-7 years?</p>
<p>Have these changed? My grad school kid did his deferrment for the full year. And then renewed it for the full year (never got past the six month deferral period).</p>
<p>Kid in the Peace Corps actually got hers done for two years (I imagine this is a special exception).</p>
<p>I haven’t had to reapply for deferment each year. I did it once when I got here and I think I may have to do it again in the end of this year, but it’s not really an application - more like letting them know I was still in school.</p>
<p>That’s all my son had to do, when he went to grad school (right after graduating) he had his grad school contact Sallie Mae and it was deferred until he graduated 3 years later.
He paid the interest, but the rest wasn’t due.</p>