Student Loan Deferment Options: What Can You Qualify For?

For many borrowers, pausing student loan payments can provide the breathing room needed to manage other financial priorities. In 2025, there are several student loan deferment options available, but eligibility rules can be complex. Whether you’re facing unemployment, returning to school, or experiencing a temporary hardship, knowing your options is key.

At KBR Financial Group, we help clients understand student loan relief options and navigate the application process with confidence.

1. In-School Deferment

If you’re enrolled at least half-time in an eligible school, you may qualify for an in-school deferment. This allows you to postpone payments until you graduate or drop below half-time enrollment. Interest may not accrue on subsidized federal loans during this period.

2. Unemployment Deferment

Borrowers who are actively seeking work can apply for student loan deferment for unemployed status. This is often granted in six-month intervals, with a maximum time limit. At KBR Financial Group, we guide clients in gathering the required documentation to improve approval chances.

3. Economic Hardship Deferment

If your income is low relative to your family size or you’re receiving public assistance, you may be eligible for an economic hardship deferment. This option can also apply if you’re serving in the Peace Corps. For some clients, pairing this with emergency loan deferment help create a stronger overall financial recovery plan.

4. Military Service and Post-Active Duty Deferment

Active duty members of the armed forces, or those returning from qualifying service, may request deferment during service and for a set period afterward. Veterans dealing with additional financial challenges — such as medical collections — may also benefit from credit repair for veterans to improve their broader credit profile.

5. Private Loan Deferment Options

While private lenders aren’t required to offer deferment, many do provide temporary relief programs. Terms vary, so it’s important to read your lender’s policies carefully. KBR Financial Group offers credit improvement help and debt management guidance to help clients avoid missed payments that could damage their credit scores.

The Bottom Line

Student loan deferment can be a valuable tool — but it’s not a long-term fix. Understanding which program you qualify for and preparing the right paperwork can prevent delays and keep your credit in good standing.

Whether you need student loan deferment for unemployed situations, student loan relief options for long-term support, or affordable debt settlement programs to manage other debts while your loans are on pause, KBR Financial Group can help you create a tailored plan.

Taking action now can protect both your financial health and your future borrowing power — including your eligibility for programs like SBA loan assistance for startups when the time comes.