Did I mention I consolidated?

When you consolidate your school loans they ask you to forfeit your grace period of 6 months. It was worth it because I locked things in. You can call and ask for deferment again. I called VSAC, my loan people. I had one unsecured loan, which I didn't want to take but did. That collects interest right away. They have flagged my account to make any extra in my payments go first to this loan.

ALSO more loan information. You need to check with your graduate school to see what is considered part time. You want to be sure that you at least have part time study, otherwise your loans are not deferred.