After graduation and before starting residency, one makes no income. Therefore, that person qualifies for deferment (let's say for 12 months). However, some of his loans have a 6 month grace period. Since loan payments on grace loans are excluded from deferment calculations, he would not qualify for deferment had he applied during those 6 months. Is it acceptable to apply for deferment while at $0 income, then re-apply *after* the grace period is expired, in order to maintain deferment at all times? Or must one change to forbearance during the 6 month grace period, then change back to deferment afterwards? My understanding is that most students do it following the former scenario and that this is not a problem. Thanks for any help!