Tao,

You started me thinking way back to school loans with your question. I would suggest calling the lender of the student loan & ask them if a letter explaining why you aren't able to be in school for a semester/quarter would be acceptable from your Doctor/pdoc to continue the deferrance of your loan payback. If that is possible, or they may have another way to handle the situation....but then you could talk to your Dr/pdoc & get him/her to provide you with the letter.

There are people who could be in need of an operation that must be performed & I'm sure the lending company has exceptions for them, they are required to treat mental issues in the same way.

Botton line is talk to the lender & see what they require to keep the loan deferred.

Debbie