Federal loans can be deferred during your college years of full-time (12 credits+/semester) enrollment, and USMA certainly qualifies as that. Generally, you will certify full-time enrollment with your loan servicer every semester or every year (depending on who is servicing your loan right now). That generally means you submit a paper or electronic form with your status, your college, and your expected graduation date. Deferment means that while you are enrolled full-time, Uncle Sam pays the interest on your loans. Note that you CAN (are allowed to) make payments on your loans while you attend USMA, and that any payments you make while in deferment will therefore apply entirely to the borrowed principal - thus reducing your total and monthly payments after you graduate. If you can afford to do this, do it!