If you are not eligible for a deferment, but you are having temporary financial difficulties, you may want to consider applying for forbearance. Forbearance can reduce your monthly payments, temporarily cease your payments, or allow a time extension in making payments. Some restrictions apply to forbearances and not all requests can be granted. It is a good idea to only apply for forbearance during the needed time period because interest will continue to accumulate on the loan. Generally, forbearance is granted if the lender believes that you have the intention to repay your loan in full.
For qualification and application information, click on the link of the forbearance option that is most relevant to your needs.