user: I'm here for a school loan deferment[NEWLINE]agent: I can help you find out if a deferment is the best option for your situation.[NEWLINE]user: what else can I do?[NEWLINE]agent: You can consider income-driven repayment.[NEWLINE][BOUNDARY][NEWLINE]user: Sure, and if I'm not paying the interest, how does it work during the forbearance of a federal family education loan?[NEWLINE]agent: Unpaid interest is capitalized and the total amount you repay over the life of your loan may be higher[NEWLINE][BOUNDARY][NEWLINE]user: what is discretionary forbearance?