<prompt> Human: I am paying student loans from my first round of graduate school. I am now enrolled in a second graduate program, and I had no plans on putting my loans into deferment. I still 100 plan on paying my same monthly payment consistently every month or more, and I received an email from MyFedLoan explaining that they had placed my loans into deferment because my university notified them that I was enrolled in grad school. My question is: Do I receive a benefit from keeping them in deferment and continuing to pay each month? Would it be best to keep them in deferment and continue to pay, or should I take them out of deferment and keep paying as I already was previously? Thanks, PF. :  <response>: Check out the terms of the loan and see if there is any change when the item goes into deferment. I was on a special interest rate reduction because of my payment history, but when the loans were put into deferment because of my grad school program I lost that reduction for the time my loans stayed in deferment. I had to pull them out in order to qualify for the prior, lower interest rate. If there is no change to the terms of your loan, it shouldnt matter if you leave it deferred and continue to make payments. As long as you have the discipline not to skip a month or two, there should be no negative impact financially. 