A growing number of federal student loan borrowers are pausing payments. Experts warn that while deferments and forbearances can offer relief, they also can also come at a cost.

Over 25% of federal student loan borrowers paused payments in Q3 2025, up from 12% a year earlier. The Department of Education offers deferments and forbearances, but experts warn these pauses can add costly interest and delay forgiveness.

This guide breaks down student loan deferment vs. forbearance, explaining key differences, long-term impacts, and strategies for managing debt.