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Condition of forbearance allows you to reduce your payment amount, extend repayment term, or temporarily stop making payments altogether. This is assigned by your lender or servicer, if you are having difficulty making your payments. For more information or to request forbearance, call EdFed at (800) 821-5659. Note, you will remain liable for the interest that accrues on the loan during the forbearance period.

Requesting a loan forbearance
Though forbearances are granted by your lender or servicer, conditions which act as reasons for requesting forbearance include:
  • Having a monthly debt burden for Title IV loans that collectively equal or exceed 20% of total monthly gross income.
  • Qualification for partial repayment of loans under the Student Loan Repayment Program, as administered by the Department of Defense.
  • Service in a national service position for which you receive a national service education award under the National and Community Service Trust Act of 1993.
  • Serving in a medical or dental internship or residency program, if you meet certain criteria.

If you have any questions about the federal loan consolidation process, please email us or call (800) 821-5659 to talk to an expert loan advisor.

How EdFed Helped others!
When I first called EdFed I was impressed by the customer service. With other companies I called it was always an automated system that picked up and if I was lucky I was transferred to a live person. The Loan Counselor that I spoke with at EdFed was knowledgeable and quick to answer any and all questions I had. I was also able to get my application e-signed that same day. Now, thanks to EdFed, I have saved over $200 in the past two months.
- Jessica S.  Des Moine, IA
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Education is one of the most basic right of any human, but with the increase in prices and the costs involved in education this has made these rights turn into a privilege which very few can enjoy. Any normal person today in the whole of United States has to take an education loan at one point of time to pay for their education fees.

read more
Schools Will No Longer Receive Paper FAFSA Forms
(September 20, 2007)

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