Did you take out a Federal PLUS loan for your student or a Private Student Loan because if you took out a Federal PLUS loan and immediately deferred the payments, but you still want to make payments while it's in deferment, you could potentially jeopardize the months of deferments you qualify for - for example, if you are only eligible for 12 months of deferments and you decided to make 6 months of payments while in deferment and then you request to be removed out of deferment, you only have 6 months of deferments left for the entire 10 years of repayment. This means if you have severe financial problems, you can only defer those loans for the remaining 6 months and that's it and then the lender/servicer will be calling requesting payments at the end of those 6 months and you won't have any more deferment eligibility. Do you understand what I'm trying to tell you? If you are financially capable of paying, call you lender/servicer and request the deferment to be stopped and placed into repayment.
Again, the lender/servicer will tell you what type of deferment or forbearance you can be eligible for based upon your financial situation (if you have severe financial problems), this is a common occurrence I see all the time where people request deferments or forbearance and still pay your student loans, you are jeopardizing the total number of months of deferments and forbearance you can be eligible for over the life time of the loan.
This situation doesn't pertain to loans in an in-school or grace period status ONLY in repayment and for Federal Loans!
