; and (2) during the shutdown applicable to the covered period described in paragraph (1), the Federal worker described in that paragraph has been furloughed or required to work without pay. (c) Deferment eligibility During a covered period, a Federal worker shall be eligible for deferment, during which, with respect to a student loan, periodic installments of principal need not be paid and interest shall not accrue. (d) Limitation on defaults If the student loan payment of a Federal worker falls due and remains unpaid during a covered period, the lender with respect to the student loan may not place the loan in default without the order of a court. (e) Limitation on collections If the student loan of a Federal worker has been placed in default before the date on which a shutdown begins, the lender with respect to the student loan may not, without the order of a court, perform any of the following activities during the covered period with respect to the shutdown: (1) Send the loan to collection. (2) Report adverse information with respect to the Federal worker to a consumer reporting agency. (3) Garnish wages, tax refunds, or government benefits. (f) Court stay In a proceeding to collect a student loan payment that is subject to this section, a court may, upon the motion of the court, and shall, if requested by a Federal worker, the ability of whom to comply with the obligation resulting in the proceeding is materially affected by a shutdown— (1) stay the proceeding for 30 days after the applicable covered period