It emerged on the Twitts today that sometimes postdocs can defer student loans and sometimes they cannot.
Any tips/advice on loan consolidation?? Just got a look at my first monthly payment and holy shit.
— Dr. Jenn (@ohambiguity) December 2, 2015
The bottom line is that you should check into your lender requirements, and then see how your HR department defines you.
The readership may have additional tips in the comments?