December 7, 2021

How To Defer Navient Student Loans


A student loan deferment means that you temporarily stop or reduce the payments you make. It is a way to prevent interest from accruing and is a way to alleviate the pressure of a student loan.

Interest will not accrue for subsidized loans like Direct, and you can defer for up to three years. Unsubsidized loans will still gain interest during this time.

Deferment Eligibility

To qualify for a deferment, you must be in one of several circumstances. Each of them will have forms you can fill out on Navient. These include:

Military Service

You can apply to determine if you serving active military duty connected to a national emergency, an operation, or a war. Alternatively, you can be eligible if you’ve completed active duty service.

You don’t need to make payments during this period. The loan will only resume once you resume school or work, and you can hold on to the status for 13 months following the completion of the service.

Economic Hardship

There are three conditions in which you fall under economic hardship. If you meet these qualifications, you can hold that status for three years. The conditions are:

  • Serving in the Peace Corps
  • If you’re receiving government welfare
  • If you’re earning below 150% of the poverty line

Cancer Treatment

You can stop student loan payments and defer them because of cancer. Navient understands that costs associated with this illness are expensive. You’ll just need to fill out the form and show them that you are undergoing cancer treatment. This status continues until six months after treatment completes.

Parent PLUS Borrower

A parent who has a student loan debt and wants to pay for their child’s education may apply for deferment. They can take a Direct PLUS loan and defer the student loan in the meantime. However, the loan must be for an eligible school to qualify. The student must also be enrolled at least part-time.


If you’re having difficulty finding full-time employment, you can request a deferment. The pause can stay for up to three years, and you can also apply after you receive unemployment benefits. For those holding student loans that date back before 1993, the deferment period may differ.

In-School Deferment

In-school deferment is often automatic if you’ve enrolled at least half-time in an eligible college. The school will apply on your behalf. You’ll then receive a notification from Navient of the deferred status. If this does not happen, you can contact either the servicer or the school to inquire, and you can also extend it by around six months.

Many Options to Defer

Navient student loan deferral is a great way to get yourself back on track. With no student loan payments to worry about, you can recover your earning status and resume payments once you’re back on track. However, it is only a temporary solution. If you feel that it will be impossible to pay out student loans, you can consider other options.

Use Chipper for Lower Payments

Chipper can help you find a student loan repayment plan that actually fits into your budget. You simply fill out your information and link your student loan account for us to generate your options in seconds. We help the average student loan borrower save over $300 a month off their student loan monthly payment. Lowering your monthly payment plan can game changing for your personal finance and can be done in minutes! Sign up for Chipper today to get on track with your student loans.

Use Chipper for The Best Path to Forgiveness

Finding your path to student loan forgiveness is easier than ever before. Chipper helps members find better Income-Driven Repayment (IDR) plans every day. Once enrolled in an eligible repayment plan, we can help you explore your forgiveness options and understand your path towards forgiveness. Sign up with Chipper today and get on track with your student loans.

Use Chipper for Round-Ups

Paying off your student loans doesn’t have to be a long and painful journey. Round-Ups are a way to directly pay off your loans with your everyday spending! By tracking your linked spending account(s), we will calculate the rounded up amount from each transaction in a week (IE spending $4.28 would add $0.72 to the weekly amount). We then initiate a payment towards your student loan for the weekly amount. Get chipping away on your student loans with Chipper today.

Use Chipper for Public Service Loan Forgiveness (PSLF)

The Public Service Loan Forgiveness (PSLF) program was created to provide relief to borrowers aiding the public sector. Unfortunately, 30% of applicants are denied due to incorrect paperwork. We can help! Chipper was created to solve this issue by assisting borrowers in understanding their options as well as allowing forgiveness eligible users enroll into the best forgiveness program available. Sign up for Chipper today to see your student loan forgiveness options and get the forgiveness you deserve.

Use Chipper for Teacher Loan Forgiveness (TLF)

The Teacher Loan Forgiveness (TLF) program was created to enable teachers working in Title 1 schools to receive student loan forgiveness of up to $17,500 (depending on their teaching subject). Chipper has helped teachers from all over the country qualify for TLF program and can help you get the forgiveness you deserve today. Find out if you qualify for forgiveness in minutes with our employer search tool.

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