The Financial Aid Office and the Registrar's Office will certify that although you are registered for only 3 credits each semester, this is the equivalent of being a half-time student. This means you will not have to begin paying back your loans until 9 months after the completion of the dissertation. Students may apply for financial aid for the year you will be working on the dissertation. Application before March 15 is necessary following dissertation year. To effect a deferment, students will be provided with a pesudocourse # to register for 0 credits with special permission. You can register as either full time status or part time status. To accomplish deferment of your loan. Contact the Student Services Coordinator for more information.