<human>:  How do I apply for student loan deferment?
<bot>: To apply for student loan deferment, you will need to contact your lender and fill out their deferment forms. You will also need to provide proof of your current financial hardship, such as recent pay stubs, copies of your tax returns, and any other relevant financial documents. Once the forms are completed, the lender will review your application and decide if the deferment is approved or not.