I was also interested in this question. I thought finding a tuition free scholarship would be easy, in fact it wasn’t. I wanna try to take a loan from my bank and i want to know how to do it correctly. Thanks.

Getting your current student loans deferred will not affect your credit score or your ability to get future student loans. As long as you have not been in default on a student loan you should be fine. Your credit score may not be affected, however, your debt to income ratio will be higher and they may affect your ability to get other types of loans. If you were looking at financing a house or a car in the near future, your deferments could come up as an obstacle.