10+ Year Member
Feb 20, 2008
Post Doc
What's the current state of loan deferment during residency? I know last Sept/Oct people were talking about the loss of the 20/200 rule that allows residents to defer loan repayment through 3 years of residency. Was the 20/200 re-instated by Congress? Any updates would be greatly appreciated.


Silent Sentinel
10+ Year Member
5+ Year Member
Jul 15, 2004
Resident [Any Field]
From what I heard from our financial aid people a few weeks ago, the hardship deferment was still on its way out and still slated to end in the summer of 2009. At that point the debt/income ratio qualification will end and it will become a straight income requirement, which will be some percentage of poverty level (150 or 200%, something like that), which most residents will clear handily. We can at least get one year of deferment. After that we can still use our guaranteed three years of forbearance.


Paranoid and Crotchety...
15+ Year Member
May 14, 2004
knee deep in dog muck and crusty jugglers......
Attending Physician
it's still gone, however, since they left no rules on how to deal with people in situations such as residents, they are currently still following the 20/220 rule. however, the new one set to replace it in 2009 is some sort of graduated payment plan.

you'd be best to ask the finance/financial aid forums if you want a better answer than that.
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