CASHLoan Repayment Options

Forbearance and Deferments Options

Depending on your loan type and disbursement date, if you are experiencing hardship, a short-term forbearance or deferment may be available.

Additional eligibility criteria and requirements may apply. To determine if you qualify, please call.

  • In School Deferment: You may postpone repayment of your loan(s) while you are:
    1. A full-time student attending an approved Department of Education institution. Your enrollment must be certified by the school.

    2. A student attending at least half-time at an approved Department of Education institution. Your enrollment must be certified by the school. (MEDCASH and MEDCASH+ borrowers are not eligible)

  • Medical Residency Deferment: You may postpone repayment of your loan(s) while you are:

    1. Engaged in a medical residency program which must (a) be a supervised training program, and (b) require that you hold at least a Bachelor’s degree before acceptance into the program.

    2. In addition, your program must either (a) lead to a degree certificate from an institution of higher education, a hospital, or a health facility that offers postgraduate training, or (b) be required before you may be certified for professional practice or service. The program official must certify your enrollment in the program.

  • Forbearance: If you are temporarily unable to make your regular monthly payment, you may be eligible for a forbearance.

  • Military Forbearance: You may postpone repayment of your loan(s) while you are:

    1. serving on active duty during a war or other military operation or national emergency, or

    2. performing qualifying National Guard duty during a war or other military operation or national emergency.


You must provide MOHELA with a copy of your military orders or a written statement from your commanding or personnel officer, or you must have your commanding or personnel officer certify your service.