An economic hardship deferment can help you manage your student loans when money's tight and times are hard. Based on information you provide, our calculator determines your eligibility for the deferment without requiring you to manually complete detailed worksheets. Just answer a few questions, and we'll tell you whether you might qualify and what parts of the form you need to complete.

If you determine you might be eligible for an economic hardship, you'll need to send a completed deferment form (and documentation) to your lender or servicer. Your lender or servicer will ultimately determine if you qualify for the deferment.