{"id":2978,"date":"2024-09-11T18:46:08","date_gmt":"2024-09-11T14:46:08","guid":{"rendered":"https:\/\/mcclatchymhstg.wpenginepowered.com\/careers-education\/?p=2978"},"modified":"2024-09-18T00:00:14","modified_gmt":"2024-09-17T20:00:14","slug":"cfa-exam-deferral","status":"publish","type":"post","link":"https:\/\/www.miamiherald.com\/careers-education\/cfa-exam-deferral\/","title":{"rendered":"CFA\u00ae Exam Deferral: How to Postpone Your Exams"},"content":{"rendered":" <p class=\"wp-block-paragraph\">When you&#8217;re gearing up to take one of the most challenging exams in the financial world, the Chartered Financial Analyst\u00ae (CFA\u00ae) exam, the last thing you want to worry about is the need to defer. <\/p> <p class=\"wp-block-paragraph\">However, life happens.<\/p> <p class=\"wp-block-paragraph\">Sometimes, a scheduled exam appointment must be postponed. The CFA\u00ae Institute provides options for candidates to defer their exams under certain circumstances, but the process can be as complex.<\/p> <p class=\"wp-block-paragraph\">I\u2019ll dive deep into everything you need to know about CFA\u00ae deferral, including the types of deferrals available, how to submit a deferral request, and what it means for your exam registration fees.<\/p> <p class=\"custom_key wp-block-paragraph\"><strong>Key Takeaways<\/strong><\/p> <ul class=\"wp-block-list custom_underline\"> <li><strong>Paid vs. Emergency Deferrals:<\/strong> Understand the differences between paid and emergency deferrals to choose the right option.<\/li> <li><strong>Deferral Request Window:<\/strong> Keep track of the deferral request window to avoid missing important deadlines.<\/li> <li><strong>Documentation Submission:<\/strong> Ensure all CFA\u00ae required documentation is submitted to support your emergency deferral request.<\/li> <li><strong>Additional Costs:<\/strong> Be prepared for additional costs, as registration fees are generally non-refundable.<\/li> <li><strong>Stay Informed:<\/strong> Stay informed about your new exam date and testing window to adjust your preparation accordingly.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-understanding-cfa-deferral\"><strong>Understanding CFA\u00ae Deferral<\/strong><\/h2> <p class=\"wp-block-paragraph\">The CFA\u00ae exam is not just another test; it\u2019s a rigorous, multi-level exam that requires a significant investment of time, money, and effort. Naturally, many candidates meticulously plan their study schedules around their <a href=\"https:\/\/www.miamiherald.com\/careers-education\/cfa-exam-dates\/\">CFA\u00ae exam dates<\/a>. However, unforeseen circumstances can arise, making it necessary for some candidates to defer their exams to a future testing window.<\/p> <p class=\"wp-block-paragraph\">The CFA\u00ae Institute offers two main types of deferrals: paid deferrals and emergency deferrals. Each has specific conditions and implications, and understanding these is crucial for any candidate considering deferral.<\/p> <h2 class=\"wp-block-heading\" id=\"h-paid-deferral-the-basics\"><strong>Paid Deferral: The Basics<\/strong><\/h2> <p class=\"wp-block-paragraph\">A paid deferral allows candidates to defer their exam to another exam window for any reason. This option is particularly useful if you find that your current exam window isn&#8217;t as convenient as initially thought or if your preparation isn&#8217;t where it needs to be. However, this option comes with a fee known as the CFA\u00ae exam rescheduling fee.<\/p> <h3 class=\"wp-block-heading\" id=\"h-key-points-of-paid-deferral\"><strong>Key Points of Paid Deferral<\/strong><\/h3> <ul class=\"wp-block-list\"> <li>Only one paid deferral is allowed per exam cycle.<\/li> <li>Currently, it costs $399.<\/li> <li>The registration fee is non-refundable and non-transferable, meaning it won\u2019t be applied to your new registration.<\/li> <li>You must choose a new acceptable appointment date within the next available testing window.<\/li> <li>The deferral request must be submitted within the deferral request window specified by the CFA\u00ae Institute.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-emergency-deferral-when-life-gets-in-the-way\"><strong>Emergency Deferral: When Life Gets in the Way<\/strong><\/h2> <p class=\"wp-block-paragraph\">An emergency deferral is available for candidates who face serious, unexpected situations that prevent them from attending their scheduled exam. This type of deferral is provided on a case-by-case basis and requires proper documentation to be considered.<\/p> <h3 class=\"wp-block-heading\" id=\"h-situations-eligible-for-emergency-deferral\"><strong>Situations Eligible for Emergency Deferral<\/strong><\/h3> <ul class=\"wp-block-list\"> <li>Mandatory military deployment or service<\/li> <li>Life-threatening illness of the candidate or an immediate family member<\/li> <li>The death of an immediate family member<\/li> <li>Mandatory military service obligations<\/li> <\/ul> <h3 class=\"wp-block-heading\" id=\"h-how-to-apply-for-emergency-deferral\"><strong>How to Apply for Emergency Deferral<\/strong><\/h3> <ol class=\"wp-block-list\"> <li>Contact CFA\u00ae Institute as soon as possible if you are unable to attend your scheduled CFA\u00ae exam due to an emergency.<\/li> <li>Provide proper documentation to support your emergency deferral request. This could include medical records, military orders, or death certificates.<\/li> <li>Wait for approval. If approved, the CFA\u00ae Institute will work with you to find a new acceptable appointment date within a future exam window.<\/li> <\/ol> <h2 class=\"wp-block-heading\" id=\"h-how-to-submit-a-deferral-request\"><strong>How to Submit a Deferral Request<\/strong><\/h2> <p class=\"wp-block-paragraph\">Whether you\u2019re opting for a paid deferral or an emergency deferral, the process generally involves the following steps:<\/p> <ol class=\"wp-block-list\"> <li><a href=\"https:\/\/study.cfainstitute.org\/login\" target=\"_blank\" rel=\"noreferrer noopener\">Log into<\/a> your CFA\u00ae Institute account.<\/li> <li>Navigate to the exam deferral section and choose the type of deferral you\u2019re applying for.<\/li> <li>If you\u2019re applying for a paid deferral, you\u2019ll need to pay the CFA\u00ae exam rescheduling fee.<\/li> <li>If you\u2019re applying for an emergency deferral, you\u2019ll need to upload the necessary documentation.<\/li> <li>Submit your deferral request.<\/li> <\/ol> <p class=\"wp-block-paragraph\">The CFA\u00ae Institute typically reviews deferral requests promptly, but it&#8217;s crucial to submit everything within the specified deferral window.<\/p> <h2 class=\"wp-block-heading\" id=\"h-impact-of-deferral-on-cfa-exam-registration-fees\"><strong>Impact of Deferral on CFA\u00ae Exam Registration Fees<\/strong><\/h2> <p class=\"wp-block-paragraph\">Deferring your CFA\u00ae exam doesn&#8217;t come without financial implications. The exam registration fee you initially paid won&#8217;t be refunded or carried over to your new exam window. This fee is separate from the CFA\u00ae exam rescheduling fee you pay for a paid deferral. In essence, deferring your exam may mean paying more overall than if you had taken it as originally scheduled.<\/p> <p class=\"wp-block-paragraph\">What Happens to Your Exam Fees?<\/p> <ul class=\"wp-block-list\"> <li>Paid deferral: You pay a CFA\u00ae exam rescheduling fee, and your original registration fee is not refunded.<\/li> <li>Emergency deferral: No additional fee is required, but your original registration fee is still non-refundable. However, the CFA\u00ae Institute may allow you to re-register without paying another full registration fee.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-rescheduling-by-prometric\"><strong>Rescheduling by Prometric<\/strong><\/h2> <p class=\"wp-block-paragraph\">In some cases, Prometric, the company that administers the CFA\u00ae exam, may need to reschedule your exam due to unforeseen circumstances at the testing centers. If your exam is rescheduled by Prometric, you are typically given a few options:<\/p> <ul class=\"wp-block-list\"> <li>Accept the new date provided by Prometric.<\/li> <li>Choose another exam window if the new date is not acceptable.<\/li> <li>Contact CFA\u00ae Institute for further guidance if you are unable to attend on the new date.<\/li> <\/ul> <p class=\"wp-block-paragraph\">If Prometric reschedules your exam, you should immediately check the details to ensure the new date fits within your schedule. If not, it may be necessary to explore a paid deferral or emergency deferral, depending on your circumstances.<\/p> <h2 class=\"wp-block-heading\" id=\"h-deferral-policy-specifics-and-conditions\"><strong>Deferral Policy Specifics and Conditions<\/strong><\/h2> <p class=\"wp-block-paragraph\">The CFA\u00ae Institute&#8217;s deferral policy is designed to be fair but firm. For a deferral to be considered, especially in emergency cases, the Institute requires that the circumstances preventing you from taking the exam are beyond your control and cannot be anticipated.<\/p> <h2 class=\"wp-block-heading\" id=\"h-considerations-for-future-exams\"><strong>Considerations for Future Exams<\/strong><\/h2> <p class=\"wp-block-paragraph\">Deferring your exam means you&#8217;ll need to consider how to best prepare for the new exam date. It also means aligning your study schedule with a new testing window. Keep in mind that the CFA\u00ae exam is offered in specific windows throughout the year, and you&#8217;ll need to re-register for the new exam window.<\/p> <h3 class=\"wp-block-heading\" id=\"h-preparing-for-a-future-exam\"><strong>Preparing for a Future Exam<\/strong><\/h3> <ul class=\"wp-block-list\"> <li>Adjust your study plan to align with the new exam date.<\/li> <li>Stay updated on any changes to the CFA\u00ae exam content, format, or policies.<\/li> <li>Ensure that the new exam date fits well within your professional and personal life, avoiding the need for another deferral.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-documentation-requirements\"><strong>Documentation Requirements<\/strong><\/h2> <p class=\"wp-block-paragraph\">For emergency deferrals, the documentation you provide is critical. The CFA\u00ae Institute requires clear evidence that justifies your need to defer. This could be a doctor&#8217;s note for a medical emergency, military deployment orders, or a death certificate in the case of a family member\u2019s death.<\/p> <h3 class=\"wp-block-heading\" id=\"h-special-cases-military-service-and-life-threatening-illness\"><strong>Special Cases: Military Service and Life-Threatening Illness<\/strong><\/h3> <p class=\"wp-block-paragraph\">Two of the most commonly approved reasons for emergency deferrals are mandatory military deployment and life-threatening illness. If you are called to military service, you\u2019ll need to submit your deployment orders. If you or an immediate family member faces a life-threatening illness, medical documentation will be required.<\/p> <h2 class=\"wp-block-heading\" id=\"h-scheduling-a-new-cfa-exam\"><strong>Scheduling a New CFA\u00ae Exam<\/strong><\/h2> <p class=\"wp-block-paragraph\">Once your deferral is approved, you must schedule your exam for a new date. This new date must be within the same exam window or the next available one. You can do this through your CFA\u00ae Institute account or by contacting Prometric if you encounter any scheduling issues.<\/p> <h2 class=\"wp-block-heading\" id=\"h-what-happens-if-you-miss-the-deferral-window\"><strong>What Happens if You Miss the Deferral Window?<\/strong><\/h2> <p class=\"wp-block-paragraph\">Missing the deferral request window can be costly. If you don\u2019t request a deferral within the allotted time, you may have to take the exam on your scheduled date or forfeit your registration fee. It\u2019s crucial to keep track of all deadlines and submit your deferral request when you realize you cannot make your scheduled exam.<\/p> <h2 class=\"wp-block-heading\" id=\"h-conclusion\"><strong>Conclusion<\/strong><\/h2> <p class=\"wp-block-paragraph\">Deferring your CFA\u00ae exam is a significant decision that should not be taken lightly. Whether you opt for a paid deferral due to personal reasons or an emergency deferral due to unforeseen circumstances, understanding the CFA\u00ae Institute&#8217;s deferral policy is essential. Remember the financial implications, the necessity of proper documentation, and the importance of submitting your deferral request within the designated window.<\/p> <p class=\"wp-block-paragraph\">With careful planning and prompt action, you can navigate the deferral process effectively and ensure that you are fully prepared when your new exam date arrives. The CFA\u00ae journey is long and demanding, but with the right approach, you can overcome any obstacles that come your way.<\/p> <p class=\"wp-block-paragraph\">By following these guidelines, CFA\u00ae candidates can better manage the complexities of deferring their exams, ensuring that they remain on track to achieving their professional goals despite unexpected challenges.<\/p> <h2 class=\"wp-block-heading\" id=\"h-faq\"><strong>FAQ<\/strong><\/h2> <div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1725607351500\"><strong class=\"schema-faq-question\"><strong>How many times can I defer my CFA\u00ae?<\/strong><\/strong> <p class=\"schema-faq-answer\">You can defer your CFA\u00ae exam only once per exam cycle through a paid deferral. Emergency deferrals are granted on a case-by-case basis. You should consider if you still want to <a href=\"https:\/\/www.miamiherald.com\/careers-education\/why-get-a-cfa\/\">get a CFA<\/a>\u00ae if you keep deferring your exams.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1725607358216\"><strong class=\"schema-faq-question\"><strong>What is the 6-month rule for CFA\u00ae?<\/strong><\/strong> <p class=\"schema-faq-answer\">The 6-month rule refers to the minimum time required between two exam attempts. You must wait at least six months before retaking the same level of the CFA\u00ae exam.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1725607364496\"><strong class=\"schema-faq-question\"><strong>Can I reschedule CFA\u00ae for next year?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, you can reschedule your CFA\u00ae exam for next year through a paid deferral or, if approved, for an emergency deferral, but additional fees may apply.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1725607370546\"><strong class=\"schema-faq-question\"><strong>What happens if I miss my CFA\u00ae exam?<\/strong><\/strong> <p class=\"schema-faq-answer\">If you miss your CFA\u00ae exam without an approved deferral, you forfeit your registration fee and must re-register and pay for a future exam window.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1725607377185\"><strong class=\"schema-faq-question\"><strong>How do I apply for a CFA\u00ae exam deferral?<\/strong><\/strong> <p class=\"schema-faq-answer\">To apply for a CFA\u00ae exam deferral, log into your CFA\u00ae Institute account, select the deferral option, and submit the required documentation and fees within the deferral request window.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1726065941016\"><strong class=\"schema-faq-question\">How do I postpone my CFA\u00ae exam?<\/strong> <p class=\"schema-faq-answer\">To postpone your CFA\u00ae exam, you can request a deferral through the CFA\u00ae Institute. There are paid deferrals for any reason and emergency deferrals for serious, unexpected situations. Submit your request through your CFA\u00ae Institute account, and emergency deferrals will require supporting documentation.<\/p> <\/div> <\/div> ","protected":false},"excerpt":{"rendered":"<p>When you&#8217;re gearing up to take one of the most challenging exams in the financial world, the Chartered Financial Analyst\u00ae (CFA\u00ae) exam, the last thing you want to worry about is the need to defer. However, life happens. Sometimes, a scheduled exam appointment must be postponed. The CFA\u00ae Institute provides options for candidates to defer [&hellip;]<\/p> ","protected":false},"author":11,"featured_media":2979,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3,244],"tags":[],"class_list":["post-2978","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-careers-education","category-finance"],"acf":{"external_author":[129],"external_editor":"","select_template":"default","not_show_feature_image":false,"hide_toc":false},"featured_image_src":"https:\/\/www.miamiherald.com\/careers-education\/wp-content\/uploads\/sites\/2\/2024\/09\/CFA-Deferral-768x427.png","author_info":{"display_name":"","author_link":"https:\/\/www.miamiherald.com\/careers-education\/author\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>CFA\u00ae Exam Deferral: How to Postpone Your Exams<\/title>\n<meta name=\"description\" content=\"Learn how to navigate CFA exam deferrals, including paid and emergency options, critical deadlines, and the impact on registration fees.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.miamiherald.com\/careers-education\/cfa-exam-deferral\/\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/cfa-exam-deferral\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/cfa-exam-deferral\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"CFA\u00ae Exam Deferral: How to Postpone Your Exams\",\"datePublished\":\"2024-09-11T14:46:08+00:00\",\"dateModified\":\"2024-09-17T20:00:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/cfa-exam-deferral\\\/\"},\"wordCount\":1658,\"image\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/cfa-exam-deferral\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/09\\\/CFA-Deferral.png\",\"articleSection\":[\"Careers &amp; 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