ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Qualifying Circumstances to Postpone Student Loan Payments

Updated on January 21, 2012

Legitimately Postponing Student Loan Payments

There are several circumstances that people can fall into that Sallie Mae likely considers legitimate reasons for postponing student loan payments. You can't always see what the future will hold when you initially take out your student loans, and some circumstances are understandable, according to Sallie Mae. Know what these things are, so that if you fall into that category, and are having a hard time paying the loans back, you can perhaps benefit from putting it off for a time.

*Economic Hardship - If you earn less than minimum wage, or if you exceed a federally defined debt to income ratio you may qualify to postpone payments. This usually also covers those receiving public assistance or who are serving in the Peace Corp.

* Graduate Fellowship - There are some eligible graduate fellowship programs that may be covered.

*Internships and Residency - There are certain situations where these are covered, but the details vary so you will want to research this more carefully to see if your situation may be covered.

* In School or Student - For certain eligible schools, some part time and full time students may qualify to postpone payments.

Freshmen arriving at Jena University
Freshmen arriving at Jena University

More Scenarios where Postponing Payments may be an option.

* Working Mother - If a mother of pre-school age children is re entering the work force, she may qualify. I think this is great to encourage mothers to keep pursuing their dreams.

* Those Unemployed - If you have been seeking work but unable to secure any, you may be able to postpone payments, and receive unemployment benefits perhaps.

* Temporary but Total Disability situations - If you are temporarily but totally disabled for a period of time, this is taken into consideration. The other scenario is if you are unable to be employed because you are caring for a dependent or spouse who it temporarily totally disabled.

* If you are in the Military - Serving in active duty in the United States Armed Forces is another reason to qualify.

* Summer Bridge Extension - This covers the summer months for those students who are postponing payments through the end of the spring academic period , and for those re enrolling for the fall academic period.

* Public Health Service - If you are a full time officer in the Commissioned Corps of Public Health of the U.S. Public Health service, you may qualify.

*Primary Care Physician - For primary care physicians that completed an internship in one of a few specialties. These include Osteopathic general practice, general internal medicine, family practice, preventive medicine, and general pediatrics.

* Parental Leave - If you are caring for a newborn or a newly adopted child, then you may qualify as well to postpone student loan payments.

* There are more than these, but you get an idea of the kinds of things that can be taken into consideration regarding postponing student payments.


    0 of 8192 characters used
    Post Comment

    • oceansnsunsets profile imageAUTHOR


      7 years ago from The Midwest, USA

      Thank you so much!

    • PhoenixV profile image


      7 years ago from USA

      Great article voted up!


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)