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Student loan deferment can be bad - or at least expensive - if you have private or unsubsidized federal student loans. You can find out if your loans are unsubsidized by checking your studentaid.gov account. These loans accrue interest during deferment, and you'll be responsible for paying it.How do you defer your student loans?
In most cases, you will need to fill out a form for and/or submit paperwork to your loan servicer in order to defer student loans. In the case of a re-enrollment in school, you should also speak with a financial aid representative who can help make sure deferment for both your public and private loans goes through.Should you defer your student loans?
Unfortunately, there is no right or wrong reason for when to defer your student loans. For some situations, such as if you are returning to school, joining the Peace Corps, or taking care of a child between enrollment in school, your deferment may be an absolute lifesaver and totally necessary to get by.