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OK well you better get with those Direct people and apply for those deferments. It sounds like you are entitled to at least one. (Remember, the unemployment deferment involves jobs of not more than 20 hours OR not expected to last more than three months, like temp assignments. The economic hardship deferment uses a formula to determine what the hardship is, and usually if you have an immediate previous year of low AGI (adjusted gross income) on your tax return, you qualify.)

Why wait another day with the student loan stuff? It just makes your situation worse . . .
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