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Parent PLUS Repayment, Deferment and Forbearance

Repayment Options

During the Parent PLUS Loan application, the Parent-Borrower can choose to either begin repayment while the student is in school or to defer until the student either graduates or drops below half-time enrollment. If the Parent-Borrower selects the option to repay the loan while the student is enrolled, then the first payment is due 60 days after the first disbursement is made. For example: If the first disbursement is made in August, then the first payment is due in October.

Your federal loan servicer will provide information about repayment and confirm the date repayment begins. Repayments are made to the federal loan servicer. Borrowers generally have from 10 to 25 years to repay the Parent PLUS Loan. More information on repayment options is available on the website and also at


Deferment lets parents delay loan repayment until after their student is no longer enrolled at least half-time (less than 6 credits). Parents must request separate deferments for each loan period through their federal loan servicer. See for more information. Students who attend less than half-time will trigger repayment, even if the student has not graduated yet.

Upon disbursement, borrowers will receive repayment and deferment information from their loan servicer and may need to provide a copy of your student’s academic verification along with the in-school deferment form. For enrollment verification information visit Temple University's Office of the University Registrar, 

If your loan is deferred, interest will accrue on the loan during the deferment. You may choose to pay the accrued interest or allow the interest to capitalize when the deferment period ends. Your loan servicer will notify you when your first payment is due. 


If you are unable to make your scheduled loan payments, contact your loan servicer immediately. Your servicer can help you understand your options for keeping your loan in good standing. For example, you may wish to change your repayment plan or request a deferment or forbearance that allows you to temporarily stop or lower the payments on your loan.

In certain situations, you can have your federal student loan forgiven, canceled, or discharged. 

See for more information.