- National service forbearance does not apply to Parent PLUS loans. These are federal loans taken out in a parent's name to pay for a child's education. If you have Parent PLUS loans, you can neither put them into forbearance nor pay them down with your education award.
- Federal Perkins loans are also not eligible for national service forbearance. (Many educational institutions will use their discretion to grant forbearance for Perkins loans.)
- AmeriCorps VISTA members with Perkins loans can opt for partial loan forgiveness. Read about Perkins Loans and VISTA.
Forbearance applies to most federal loans with two exceptions.
Private loans also do not qualify.