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Educational Loan Deferments

Participants in NIH training programs who wish to have their educational loans deferred while in training at the NIH should submit the following documents to Building 2, Room 2E28B.  Individuals at other locations may submit the same documents via e-mail to as PDF files. If sending documents by e-mail, please DO NOT ADD your social security number. You will be contacted if this information is needed.

(1) The deferment form from the lending institution. Please include all pages (the last page generally contains the address to which the deferment form should be sent) and please sign the form. If you have a Federal loan, the proper form to use is the Education Related Deferment form. You should check the box indicating that you are "in full-time course of study in a GRADUATE FELLOWSHIP program." NOTE: We DO NOT provide the deferment forms.

(2) A short memo from your supervisor (on NIH letterhead) verifying the beginning and ending dates of the one-year period for which you are requesting a deferment and the program in which you are participating (e.g., Postbac IRTA, Postdoc IRTA), and describing, in brief, the research in which you are involved.

The Office of Intramural Training & Education will certify your participation in the appropriate training program ONLY for a twelve-month period and forward the forms to the lending institution; however, approval of loan deferments rests exclusively with the lending institution.  Loan deferment paperwork must be filed annually.

When your loan deferment forms have been signed and submitted to the lender(s), you will receive an e-mail containing PDF copies of the document(s). Please keep this information for your records.


  • Loan deferments for graduate students at NIH will be handled by their academic institutions.
  • Our office DOES NOT process loan deferments from graduate students or postdoctoral fellows at other institutions, even if they are participating in an NIH-funded training program.
  • Our office only certifies forms from NIH postbacs, postdoctoral fellows, and MRSP scholars. Research fellows and clinical fellows are not eligible for loan deferment through our office.

Download a detailed Loan Deferment Checklist.

Questions: Send e-mail to