I assume you’re joking, but just in case: in-school deferment only automatically applies to federal loans. For private loans, you have to apply and they can rej

I assume you’re joking, but just in case: in-school deferment only automatically applies to federal loans. For private loans, you have to apply and they can reject you or put a cap on the deferment duration. For federal loans, your eligibility depends on income and has an aggregate maximum of $138,500 including your undergraduate federal loans. Source: https://studentaid.gov/understand-aid/types/loans/subsidized-unsubsidized https://studentaid.gov/understand-aid/types/loans/subsidized...