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But because borrowers with federal loans can choose from forbearance, deferment or income-driven repayment, it’s that much more challenging to prove undue hardship.

He later sat out the Vietnam War due to deferments - four for academic reasons and one due to bone spurs.

Be realistic about what your terms are — and make sure you understand conditions for repayment, deferment and forgiveness.

Trump never served in the military, and a string of deferments enabled him to avoid the draft during the Vietnam War.

It drew attention to his draft-dodging record of five deferments at the height of the Vietnam War.