Student loan borrowers may apply for deferment of loan repayment if they have difficulties in repaying the loans due to further studies on full-time courses, financial hardship or serious illness. Application for deferment of loan repayment is only applicable to the total amount due for settlement, which may comprise administrative fee(s), if any, surcharge(s), if any, interest(s) and outstanding principal(s). Applications for deferment of loan repayment will be considered on its merits. Upon approval, the deferred grant/ loan will be repaid on a revised schedule or on any other terms as decided by SFO.