Federal Loan Consolidation Forbearance, Federal Loans, Request Loan Forbearance

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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!

EdFed helped me to consolidate my private loans at a low interest rate and reduced my monthly payments by $87.00 Their loan specialist were very knowledgeable and helped me through the entire process . I have recommended them to all of my colleagues.
- Frank P. Montpelier, VT

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CONSOLIDATION NEWS

	Schools Will No Longer Receive Paper FAFSA Forms (September 20, 2007)
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		The fixed interest rate for a consolidation loan is based on the weighted average of the interest rates of the loans being consolidated, rounded up to the nearest one-eighth of a percentage point.

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