Forms




Deferment / Cancellation

Completed forms can be scanned and emailed to your respective Student Account Representative or mailed to our office.


Perkins Loans
Click the respective link to access the deferment form to fit your specific circumstances.

Cancellation and Deferment Forms as well as information regarding submission can be found on the Heartland/ECSI website by searching for Emory University under "School Name."

Cancer Treatment Deferment
You may qualify for this deferment while you are undergoing cancer treatment and for the six-month period after your treatment ends.

Economic Hardship Deferment
You may qualify for this deferment if you:

  • are receiving a means-tested benefit, like welfare (e.g., Temporary Assistance for Needy Families (TANF)
  • work full-time but have earnings that are below 150% of the poverty guideline for your family size and state of residence; or
  • are serving in the Peace Corps.

You can only receive this deferment for up to three years.

Graduate Fellowship Deferment
You may qualify for this deferment if you are enrolled in an approved graduate fellowship program. A graduate fellowship program is generally a program that provides financial support to graduate students to pursue graduate studies and research. Most graduate fellowship programs are for doctoral students, but some are available to master's degree students.

In-School Deferment
You are eligible for this deferment if you're enrolled at least half-time at an eligible college or career school. If you're a graduate or professional student who received a Direct PLUS Loan, you qualify for an additional six months of deferment after you cease to be enrolled at least half-time.

Important! If you are enrolled in an eligible college or career school at least half-time, in most cases your loan will be placed into a deferment automatically based on enrollment information reported by your school, and your loan servicer will notify you that the deferment has been granted. If you enroll at least half-time but do not automatically receive a deferment, you should contact the school where you are enrolled. Your school will then report information about your enrollment status so that your loan can be placed into deferment.

Note: In-school deferment is generally automatic, so in most cases it isn't necessary to complete the In-School Deferment Request. However, if you're enrolled at least half-time but do not automatically receive a deferment, you can either ask your school to report your enrollment information, as explained above, or complete the In-School Deferment Request.


Military Service and Post-Active Duty Student Deferment
You may be eligible for this deferment if:

  • you are on active duty military service in connection with a war, military operation, or national emergency; or
  • you've completed qualifying active duty service and any applicable grace period. This deferment ends when you resume enrollment in an eligible college or career school on at least a half-time basis or 13 months following the completion date of active duty service and any applicable grace period, whichever is earlier.


Rehabilitation Training Deferment
You may qualify for this deferment if you're enrolled in an approved rehabilitation training program that is designed to provide vocational, drug abuse, mental health, or alcohol abuse rehabilitation treatment.

Unemployment Deferment You may be eligible for this deferment if you receive unemployment benefits or you are seeking and unable to find full-time employment. You can receive this deferment for up to three years.


Emory Institutional Loans

IMPORTANT - If you have already completed a federal deferment or forbearance request, the same form can be used for Emory Institutional Loans. Please send the form, along with any required documentation, to your respective Account Representative.

Maximum Cumulative Eligibility is 36 Months Per Loan Program

Economic Hardship Deferment
Unemployment Deferment
General Forbearance Request - Choose this option for temporary relief


Health Resources and Service Administration (HRSA) Loans

Please access this Deferment Request for the following loan programs:

  • Health Professions Student Loan (HPSL)
  • Loans for Disadvantaged Students (LDS)
  • Nursing Student Loan (NSL)
  • Primary Care Loan (PCL)