ranita, italia2011:
i was able to defer my college loans more than once. i got a teaching grant to france a few years ago and was able to defer then, and also, when i returned to the US, as i did not secure employment until 6 months after. i think when you have a letter from a government institution, they are unable to decline the request. this may depend, though, if your loans are from private bankers (ie, sally mae). i'm talking about direct loans. your deferment would also be based on educational reasons, as opposed to hardship or what have you, so this would help your case, regardless. i think it is a good idea to follow-up and confirm, nonetheless. i've not done this yet as i am still waiting to hear back on the FB decision for applicants to Morocco.
in terms of the credit card debt, try and transfer your account to a card that has 0% apr for 12 months.i have some credit card debt and did this recently in order to alleviate my debt. whether or not you get the FB, this is a smart thing to do. why pay interest rate if there is a card offer that allows you to pay the balance off w/out the interest charges.
also, check out mint.com. you can create an account that will help you keep track of your spending and debt, and it gives great advice on how to meet financial goals/budgets on your own financial needs/goals.
hope this helps!