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Private loans

Private student loans are not eligible for the national service forbearance.

Nor are they eligible for other federally backed deferment programs.

While federal student loans are backed by the U.S. Government, private loans are not. Private loans are offered when students cannot borrow enough through federal programs to cover their school expenses. While the applications may make them look like federal student loans, they have more in common with a bank-issued credit card.

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