<p>So, I'll be graduating next year with about ~25-30k worth of debt from undergrad. Much of this will be in the form of subsidized Stafford loans, but some of the loans are private (through an organization called MEFA, loans have been deferred until 6 months after graduation). I intend to pursue a PhD in History, and after speaking with several members of the History department and reading up on PhD programs, I have decided to delay attending for a year after undergrad (for many reasons, not the least of which is my shoddy language skills). I will be enrolled part time taking foreign language classes (through a community college, most likely), and working during this time.</p>
<p>My question is, for those of you who know about loans, once I've taken six months off from attending full time, will I be able to defer my loans again in grad school? I don't have a problem with making loan payments during that year, but I'm concerned that I'll have to continue to make payments once I'm back in school. I'd obviously put as much money as I could towards paying them off, but I don't foresee myself having a substantial income while in grad school.</p>
<p>Thanks for your help!</p>