Some student loans from U.S. lending institutions may be eligible for payment deferral during your postdoctoral training. Deferment decisions are made by the loan agency and not by the University of Kentucky. If your lending institution offers deferments, please request a deferment form (or you can find it here) and send it to the Office for Postdoctoral Affairs for approval - we will fill out Section 4: Authorized Official's Certification.