 TITLE: How Do I Defer My Student Loans? CONTENT: How Long Can You Defer Student Loans?\n-------------------------------------\nThe length of your student loan deferment will depend on the type of deferment for which you're approved. For example, deferment based on financial hardship or unemployment can last up to three years. Deferment based on attending school or military service may last as long as you continue to meet the qualifications. Keep in mind that if you have unsubsidized or PLUS loans, you're still required to pay the interest that accrues during the deferment period, no matter how long deferment lasts.\nDeferring your student loan also means it will take longer to pay them off. Having student loan debt increases your debt-to-income ratio and may make it more difficult to get approved for other types of loans, such as a mortgage or car loan, in the future. If your student loans accrue interest during deferment that you have to pay, it could add significantly to the total amount you owe—especially if the interest is capitalized. END