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Forbearance is at times an option when you're not, for whatever reason, eligible for an economic hardship deferment. You don't have to make payments, but the interest will still accrue, unlike deferment. (I had this during my post-graduate year with a full-time volunteer corps...loans did not have to be paid back as long as I was a full-time volunteer with an approved national program, but the loan went into forbearance, not deferral, so I still had to deal with the interest that accrued in that year).
I believe that the Dept. of Ed/Federal Direct Loan income-contingent repayment plan does require that you have some form of income. If you don't, it's most likely that you're eligible for economic hardship deferment. You're not required to start paying Federal Direct loans back until you have an income, as long as you apprise the gov't of your situation. Can't speak to private lenders, I doubt they have the same deal.
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