It is important to note that deferring enrollment at BYU-Idaho may affect a student’s financial aid and does not defer past or present federal student loans. To avoid defaulted loans:

  1. Contact the loan servicer
    • Log into StudentLoans.gov
    • Call the Federal Student Aid Student Loan Support Center at 1-800-557-7394
  2. Ask the loan servicer about loan options
    • Deferment
    • Income-driven repayment plans

Missionary Deferments

Students who properly defer through the Admissions Office for a mission will have their BYU-Idaho Grants deferred until they get back. If returned missionaries have any questions or concerns about their deferred BYU-Idaho Grant, contact Financial Aid.

Federal student loans will not be deferred by BYU-Idaho on the student’s behalf. This must be done by the student and/or parent, depending on the loan, prior to the mission start date in order to avoid potential loan default.

How Deferment Affects Aid

Student Loans: Student loan funds that have been accepted through the financial aid portal but not yet disbursed will be cancelled. Students out of school for six consecutive months or more will be required to begin making payments on federal loan(s) when the six-month grace period is expended. These students are required to complete student loan exit counseling. For questions or concerns about loan repayment, students should contact their loan servicer.

PLUS Loans: PLUS Loan funds that have been accepted but not yet disbursed will be cancelled. Loan repayment will begin when the student has been out of school for 60 consecutive days. For questions or concerns about loan repayment, parents should contact their loan servicer.

Pell Grants: Pell Grants for the semester being deferred will be cancelled. If the student returns to school during the same academic year, the student may be eligible to receive a portion of the Pell Grant. If the student returns to school in a subsequent academic year, they must complete a new FAFSA to determine eligibility for federal Pell Grants.

BYU-Idaho Grants: BYU-Idaho Grants will be cancelled for the semester(s) being deferred (unless the student is deferring for a mission). If the student returns to BYU-Idaho in a different academic year, they will need to complete the new BYU-Idaho Grant application to be considered for future grants.

Non-BYU-Idaho Scholarships: Any scholarships for the semester being deferred will be cancelled and funds will be returned to the awarding agency. It is the student’s responsibility to contact the agency directly about deferring the scholarship.