Hello Heather,

I am currently in unemployment deferment over the summer, and then when I
teach in the Fall, I go on student deferment because I also take 2 courses
during the semester as a student (with my tuition waived my the college I teach
at).
I am on an income contingent repayment program.

Does the 25 year timeline for repayment include these periods of deferment as in repayment status
and count for the 25 years?

Thank you,

Elizabeth