If I defer a gov't student loan, will it affect my credit score or ability to obtain a loan in the future?
Answer:
It may affect both but no more than it does already. Your credit score is based on a number of factors including income to debt ratio, which would include your student loan. Your ability to obtain a loan is based mainly on your credit score (and to a lesser extent your income to debt ratio) Therefore your student loan can affect both.
The only negative effect deferring the loan will cause is to extend the period it adversely affects your credit score. If your credit is good otherwise, income to debt ratio acceptable, no excess amount of open credit accounts, no negative reports or collections, then the student loan should only be a small issue.
It depends upon the lender. It will definitely have an impact on your credit score. Some lenders will include the future payment in your debt ratio calculation, others will not.
It is a loan so it will show up on your credit and negativly affect your credit score just like any other loan.
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