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Student Loan Service Center

Loan Deferments


A deferment is a period of time, granted after a loan has entered repayment, during which the borrower is not required to make payments. 

  • If the loan has deferment benefits they are outlined in the loan promissory note. 
  • Deferment requests must be made using the appropriate form and include all required documentation. 
  • A deferment may only be approved for up to one year at a time, therefore some types of deferments require a new request from the borrower.
  • Borrowers must notify ECSI or the Student Loan Service Center if there is any life change that might impact deferment eligibility.

  • For the Federal Perkins and the Nursing Student Loans interest will NOT accrue while in eligible deferment. 

    • Borrowers may also be entitled to a post-deferment grace period at the end of each deferment.
    • The Perkins Loan is also eligible for Forbearance.  Forbearance is similar to deferment, but while payments are suspending interest continues to accumulate.

  • For all other loans serviced by the Student Loan Service Center interest will accrue on the loan regardless of the loan status.

 Please select the reason you are requesting deferment:




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