I have private educational loans with Citibank. Th

If you've paid off the delinquent amount, then you can negotiate with Citi and try to get more deferments.

You can always try to negotiate deferments with Citibank based on their policies.

Private loans have very limited deferments. Some lenders require that you stay enrolled in school... that means no time off....taking the semester off may have put your loan into repayment. With some loans you cannot change schools. Read your prom note.....legally you may have agreed to these terms.

Hi Garrett- I have a bunch of private loans from when I was in school, and my husband has them now since he has gone back to school and we've both dealt with the deferrment nonsense, so I feel your pain. Are you back in school now? If you are, have the registrar's office complete a certificate of enrollment status and send it to Citi. If you're not back in school, you may not be able to get the in-school deferrment. However, you can typically apply for forbearance. Some private lenders allow you to do this as a matter of course, and some private lenders (like mine!) are a little more difficult. What I ended up having to do with Chase was tell them that unless they wanted to force me to default on the loans, they would have to give me temporary hardship forbearance. They required myself and my cosigner to fill out some forms and make a statement that we were unable to pay at that time, etc. Hope this helps!