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As far as I know, most all "private loans" require immediate payment. (Like within a month or two of getting the loan.) The only loans that have deferred payment, that I know of, are federally backed loans, subsidized or not. You need to go to FAFSA and fill out that stuff, that's going to be where you can get loans that allow in school deferment.
And trying to not use loans is really a good idea. I ended up living off of loans throughout college because I had a baby my sophomore year. I am now in debt $53K and haven't worked in 3 years. It sucks.
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"School is shortened, discipline relaxed, philosophies, histories, languages dropped, English and spelling gradually gradually neglected, finally almost completely ignored. Life is immediate, the job counts, pleasure lies all about after work. Why learn anything save pressing buttons, pulling switches, fitting nuts and bolts?" Bradbury, Ray Fahrenheit 451 p 55-56
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