; and (2) during the shutdown 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 shutdown, 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 student 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 whose ability to comply with the obligation resulting in the proceeding is materially affected by a shutdown— (1) stay the proceeding for a period of time as justice and equity require