Private " XXXX '' loans offered by VSAC requiring filling out a paper deferment eligibility form every 3 months which requires a phone call to VSAC to request and several weeks to wait for arrival. However, as I 've repeatedly notified VSAC, I am full-time student as the student national clearinghouse reports until XXXX 2016 with {$0.00} in annual income. Regardless, VSAC requires this form be completed every 3 months for this loan only, while other loans do not require this. This puts an undue burden on the borrower, and requires that I continually call into VSAC every 3 months to go through the same process repeatedly, increasing the likelihood of missed and/or late payments on my part. 
