Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to defer student loans [title] Understand that deferment is temporary. [step] If you are struggling to make payments on your student loans, you need to recognize that deferment is only a short-term solution. Your loans are not " forgiven, " and you will have to resume making your payments once your designated deferment period is over.

Ending1: [substeps] Deferment is best for temporary hardships, like losing a job or working through graduate school. If your financial situation is more long-term, you may want to apply for an income-based repayment plan instead. Ending2: [substeps] These smaller payments are usually made when you are not paying off the debt in full or you are borrowing more than you can pay the debt. They are not " correct " or " lower than usual " payments. Ending3: However, once you complete the deferment, you will not need to keep the same business or conceal your credit card payments. You will not have a reason to defer on another student's debt, and you will no longer have to cover student fees. Ending4: [substeps] Deferment is the most voluntary way of making student loans: you quit your job, the payment process goes faster than if you had been permanently disabled. You then pay the entire amount you have deferred to the lender.

Answer format: ending1/ending2/ending3/ending4