If you have trouble making your educational loan payments, immediately contact your loan servicer. A loan advisor can help you determine what solutions are available to assist you if you are experiencing difficulty in making payments, including other repayment plans, deferments, or forbearances.
You have to apply for deferment or forbearance with your loan servicer. You must continue to make payments until you’ve been notified your deferment or forbearance has been granted. Otherwise, you could become delinquent or go into default.