They have loan forgiveness options , they have better deferment and forbearance options as well .
联邦贷款拥有贷款宽恕选项，以及更优惠的延期和延缓还款选项。
Drop-out and deferment rates are also hair-curling : only 40 % of students graduate in four years .
辍学率和延期毕业率也同时在上升：按期四年毕业的学生只有40%。
In the words of lee kuan yew , former prime minister of singapore and a keen advocate of asian values , the chinese family encouraged " scholarship and hard work and thrift and deferment of present enjoyment for future gain " .
