The National Student Clearinghouse gets many requests from parents who want to get information on their child’s student loans. Unless the student is under 18 years old, under the Family Educational Rights and Privacy Act (FERPA), no one other than the student can request that information. We can, however, help you direct your child to the assistance and information he or she needs.
Most enrolled students at participating Clearinghouse schools will have deferments electronically processed by their loan holders, if they are eligible. However, it is possible that the loan holder or servicer could send your enrolled student a deferment form.
- If your child receives a deferment form, he needs to complete the borrower sections of the form and take it to the school’s registrar’s office where it will be examined for completeness and forwarded to the Clearinghouse for processing.
Do NOT send the form to the Clearinghouse directly; it MUST go through the registrar’s office first.
Before presenting it to the school, he must complete Section 1 and the fields titled Borrower’s Signature, Date and Where to Send the Completed Deferment Request. If he doesn’t enter his loan holder or servicer’s name in the Where to Send the Completed Deferment Request field, the notification will not be processed because Clearinghouse won’t know ‘what company’ he needs us to notify.
- If your child is still in school and receives a collection letter, he or she should contact the loan holder or servicer immediately to verify that the deferment has been processed. If it has not, have your child contact his registrar’s office.
- If your child is on active military duty, including reservists, your child may not be required to make student loan payments while he or she is deployed. If your child has an outstanding student loan and is, or soon will be, on active military duty, you should advise your son or daughter to contact the loan holder to inform them about his or her current (or approaching) active duty status and find out what deferment options are available. Your child should be prepared to provide the loan holder with a copy of his or her military orders. Even if your child’s student loans are not yet in repayment, your child must take action now to avoid having the loans go into repayment while your son or daughter is away.
- How do I defer my student’s Plus Loan? If you took out a parent Plus Loan for your student to attend school, the parent is considered the borrower. To defer a parent Plus Loan, ask your loan holder or servicer to email you a Parent Plus In-School Deferment form. Before presenting the deferment form to the school, you must complete Section 1 and the fields titled Borrower’s Signature, Date, School Name, Student’s Name and SSN. Some forms have a field titled Where to Send the Completed Deferment Request which also needs completed. If any of these fields are left blank, the form will not be processed. Submit your completed deferment form to the registrar’s office at your student’s school, where it will be examined for completeness and forwarded to the Clearinghouse for processing.
Do NOT send the form to the Clearinghouse yourself; it MUST go through your registrar’s office first.