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A forbearance is a temporary modification of the monthly payment obligation on an education loan. Both federal education loans and private student loans offer forbearances, but with different criteria and terms. Forbearance options on private student loans are generally more limited than the forbearance options on federal education loans. There are three main types of forbearances: 1  Temporary cessation of monthly payments. 2  Temporary reduction in the monthly payment amount (e.g., interest-only payments).
Share on Facebook. If money is tight and your student loan payments are higher than you can afford, you may be able to get assistance through federal student loan programs called deferment or forbearance. In these programs, you are allowed to stop making payments for a period of time.