General Forbearance Request. Use this form to request a general forbearance on yor Direct Loans, FFEL Program loans, or Federal Perkins Loans. 2025

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Forbearance works best for homeowners facing a temporary or solvable hardship. If youre generally struggling to make ends meet, forbearance may not be the best solution for you a loan modification may be more helpful. While youre in forbearance, your principal will continue to accrue interest.
Explore other forgiveness programs: Perkins Loans dont qualify for Public Service Loan Forgiveness (PSLF) or income-driven repayment plans. But if you consolidate your loans through the Direct Consolidation Loan program, you will be eligible for both.
For this reason, a general forbearance is sometimes called a discretionary forbearance. You can request a general forbearance if you are temporarily unable to make your scheduled monthly loan payments for the following reasons: Financial difficulties. Medical expenses. Change in employment.
Forbearance is a temporary postponement of monthly payments for up to a year at a time not to exceed 3 years.
Loans made through the Federal Perkins Loan Program, often called Perkins Loans, are low-interest federal student loans for undergraduate and graduate students with exceptional financial need.
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You typically have to work in these jobs for a certain period of time to be eligible to have your Perkins Loans canceled (4-7 years), but you may be eligible to have part of your loan canceled after each year you complete.

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