When must a borrower file for deferment or cancellation for Federal loans (Perkins, Stafford, PLUS, etc.)?

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15 years 7 months
Submitted by phamlin on
It depends on the loan program and the specifics of the repayment program. Since the program guidelines are set by the Department of Education (DOE), visit their [Student Aid Website](http://studentaid.ed.gov/). For specific information, see [Funding Education Beyond High School: The Guide to Federal Student Aid]( http://studentaid.ed.gov/students/publications/student_guide/2009-2010/english/index.htm). Available as a PDF in English and Spanish. In the online version, look for links to: + Borrower Information + Postponing Loan Repayment + Loan Discharge of Cancellation Of course, you may always contact the [Department of Education](http://studentaid.ed.gov/PORTALSWebApp/students/english/contactus.jsp) with your specific questions.
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