Deferment Criteria	Federal Perkins/National Direct disbursed on or after 07/01/93	Federal Perkins disbursed between 07/01/87 & 07/01/93	National Direct disbursed between 10/01/80 & 07/01/93	National Direct disbursed before 10/01/80	National Defense
1. Half-time enrollment	No limit	No limit	No limit	No limit	No limit
2. Less than half-time enrollment as a regular student	N/A	N/A	N/A	N/A	3 years *2
3. Rehabilitation training	No limit	No limit *5	No limit *5	No limit *5	No limit *5
4. Graduate Fellowship Study	No limit	No limit *5	No limit *5	No limit *5	No limit *5
5. Eligible Internship or residency program	N/A	2 years	2 years	N/A	N/A
6. Unemployment	3 years	3 years *5	3 years *5	3 years *5	3 years *5
7. Economic Hardship	3 years	3 years *5	3 years *5	3 years *5	3 years *5
8. Hardship as determined by the school	N/A	No Limit *2	No Limit *2	No Limit *2	No Limit *2
9. Law enforcement/corrections officer	See Footnote 3	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5
10. Peace Corps/ACTION Program volunteer	See Footnote 3	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5
11. Full-time volunteer for tax exempt organization in service comparable to Peace Corps or ACTION	N/A	3 years	3 years	N/A	N/A
12. U.S. Armed Services	See Detail	See Detail	See Detail	See Detail	See Detail
13. Officer in Commissioned Corps of U.S. Public Health Service	N/A	3 years	3 years	N/A	N/A
14. National Oceanic and Atmospheric Administration Corps	N/A	3 years	N/A	N/A	N/A
15. Nurse/Medical Technician providing health services	See Footnote 3	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5
16. Temporary total disability or care of temporarily totally disabled spouse/dependent	N/A	3 years	3 years *4	N/A	N/A
17. Pregnancy, care of newborn or newly adopted child	N/A	6 months	N/A	N/A	N/A
18. Mother of pre-schooler working or returning to work who makes no more than $1 above minimum wage	N/A	1 year *1	N/A	N/A	N/A
19. Employment in Head Start Program	See Footnote 3	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5
20. Teacher in designated low income school	See Footnote 3	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5
21. Teacher of special education, including teachers of infants, toddlers, children, or youth with disabilities	See Footnote 3	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5
22. Provider of early intervention services	See Footnote 3	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5
23. Teacher of mathematics, science, foreign languages, bilingual education or other field of expertise determined by state education agency to have a shortage of qualified teachers	See Footnote 3	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5
24. Provider or supervisor of provision of services to high-risk children from low income communities and their families	See Footnote 3	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5	See Footnote 3 & 5
25. Forbearance – if your Title IV debt burden equals or exceeds 20% of your gross income, you may be eligible for forbearance	3 years renewable annually	3 years renewable annually	3 years renewable annually	3 years renewable annually	3 years renewable annually
26. Public Defender	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6
27. Teacher of prekindergarten or child care program	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6
28. Librarian in or serving a designated low-income school	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6
29. Speech/Language Pathologist in a designated low-income school	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6
30. Firefighter	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6
31. Faculty at a Tribal college or university	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6	See Footnote 3 & 6