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How to Get Your Prior Loans Deferred

Deferment is a period during which the repayment of the loan principal is suspended as a result of the borrower meeting one or more requirements established by law. In-school deferment allows students to defer payments while attending a degree program at least half-time per semester in an academic year.

Students in the doctoral program(s) are aligned with a cohort and assigned their academic year start. Depending on your start and program progression, the academic year will align and advance accordingly.

Keep in mind, interest continues to accrue during the deferment period of an unsubsidized loan. Interest does not accrue during the deferment period of a subsidized loan. Students have the option to continue making payments while their loan is in the deferment status to reduce their loan principal.

APUS reports enrollment status, monthly, through the National Student Clearinghouse.

Submitting Enrollment Information to National Student Clearinghouse

  • Your enrollment verification or In-School deferment cannot be processed until the start of week 2 of your first courses in your term, as you must have attended a course beyond the first week before any loan deferments or enrollment verifications may be processed. 
  • APUS submits your current enrollment data directly to the National Student Clearinghouse on the 16th of each month that you are enrolled in classes. The National Student Clearinghouse will electronically notify each of your participating lenders within 10 business days of being updated.  The National Student Loan Database System (NSLDS) is also updated, however is typically a month behind in updating their database.
  • Although most loan deferments are now processed automatically there is a chance that your lender will still send you a paper loan deferment form.  If you receive one, you should complete sections 1-3 or those designated to be completed by the student, then you may scan and send it to us at Registrar@apus.edu or fax it to us at 304-724-3790. We will work with the National Student Clearinghouse to get this processed for you.

Checking on Your Loan Deferment

  • If you need to check on the status of your loan deferment, please contact the National Student Clearinghouse or your lender.

How to Get Your Enrollment Verified (for Insurance/Scholarships)

APUS is a member of the National Student Clearinghouse, so all enrollment verification requests will be processed through them.

Access the Request Site

  • Your enrollment verification or In-School deferment cannot be processed until the start of week 2 of your first courses in your term, as you must have attended a course beyond the first week before any loan deferments or enrollment verifications may be processed. 
  • Please visit the National Student Clearinghouse website at www.studentclearinghouse.org
  • Select Degree & Enrollment Verifiers from the top navigation
  • Click ‘Verify Now’ and complete the displayed form. 
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