# 34 C.F.R. § 685.205 (2026): Forbearance

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_205

## Section

- **Citation:** 34 C.F.R. § 685.205 (2026)
- **Heading:** Forbearance
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Title 34 CFR: Education / Chapter VI / Part 685 / Subpart B / § 685.205: § 685.205   Forbearance.

## Text

(a) General. “Forbearance” means permitting the temporary cessation of payments, allowing an extension of time for making payments, or temporarily accepting smaller payments than previously scheduled. The borrower has the option to choose the form of forbearance. Except as provided in paragraph (b)(9) of this section, if payments of interest are forborne, they are capitalized. The Secretary grants forbearance if the borrower or endorser intends to repay the loan but requests forbearance and provides sufficient documentation to support this request, and— (1) The Secretary determines that, due to poor health or other acceptable reasons, the borrower or endorser is currently unable to make scheduled payments; (2) The borrower's payments of principal are deferred under § 685.204 and the Secretary does not subsidize the interest benefits on behalf of the borrower; (3) The borrower is in a medical or dental internship or residency that must be successfully completed before the borrower may begin professional practice or service, or the borrower is serving in a medical or dental internship or residency program leading to a degree or certificate awarded by an institution of higher education, a hospital, or a health care facility that offers postgraduate training; (4) The borrower is serving in a national service position for which the borrower is receiving a national service education award under title I of the National and Community Service Act of 1990; (5)(i) The borrower is performing the type of service that would qualify the borrower for loan forgiveness under the requirements of the teacher loan forgiveness program in § 685.217. (ii) Before a forbearance is granted under § 685.205(a)(5)(i), the borrower must— (A) Submit documentation for the period of the annual forbearance request showing the beginning and ending dates that the borrower is expected to perform, for that year, the type of service described in § 685.217(c); and (B) Certify the borrower's intent to satisfy the requirements of § 685.217(c)

## Nearby sections

- [34 C.F.R. § 685.200 (2026) § 685.200   Borrower eligibility.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_200.md)
- [34 C.F.R. § 685.201 (2026) § 685.201   Obtaining a loan.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_201.md)
- [34 C.F.R. § 685.202 (2026) § 685.202   Charges for which Direct Loan Program borrowers are responsible.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_202.md)
- [34 C.F.R. § 685.203 (2026) § 685.203   Loan limits.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_203.md)
- [34 C.F.R. § 685.204 (2026) § 685.204   Deferment.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_204.md)
- [34 C.F.R. § 685.205 (2026) § 685.205   Forbearance.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_205.md)
- [34 C.F.R. § 685.206 (2026) § 685.206   Borrower responsibilities and defenses.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_206.md)
- [34 C.F.R. § 685.207 (2026) § 685.207   Obligation to repay.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_207.md)
- [34 C.F.R. § 685.208 (2026) § 685.208   Fixed payment repayment plans.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_208.md)
- [34 C.F.R. § 685.209 (2026) § 685.209   Income-driven repayment plans.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_209.md)
- [34 C.F.R. § 685.210 (2026) § 685.210   Choice of repayment plan.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_210.md)
- [34 C.F.R. § 685.211 (2026) § 685.211   Miscellaneous repayment provisions.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_211.md)
- [34 C.F.R. § 685.212 (2026) § 685.212   Discharge of a loan obligation.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_212.md)
- [34 C.F.R. § 685.213 (2026) § 685.213   Total and permanent disability discharge.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_213.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_205. Check the current official text before relying on it. Not legal advice.