Yes. You may decline an in-school deferment on your loans that are in repayment status and make
payments on those loans while you are in school. If you decline your in-school deferment, any
qualifying payments you make will count toward the 120 required payments for PSLF. Remember, you
must be employed full-time by a public service organization while you attend school for your payments
to qualify for PSLF.

The option of declining an in-school deferment also applies to any new Direct PLUS Loans for
graduate or professional degree students you receive when you return to school. Direct PLUS Loans
for graduate or professional degree students enter repayment after they are fully disbursed (while you
are still in school), but are eligible for an in-school deferment while you are enrolled in school at least
half time.

If you receive new Direct Subsidized Loans or Direct Unsubsidized Loans when you return to school,
you will not be able to make qualifying PSLF payments on those loans while you are in school. Any
new Direct Subsidized Loans and Direct Unsubsidized Loans you receive will not enter repayment
until the end of the six-month grace period that begins the day after you cease to be enrolled in school
on at least a half-time basis. You cannot make payments under a PSLF-eligible repayment plan until a
loan has entered repayment status. Although you could voluntarily make payments on your new Direct
Subsidized Loans and Direct Unsubsidized Loans while you are in school or during your grace period,
those payments would not count as PSLF-qualifying payments.

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