Forbearance Exceptions

Forbearance applies to most federal loans with two exceptions.
  • 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.
Private loans also do not qualify.

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