English to Spanish Bus/Financial Finance (general) Student Loans

Hello!
I open this KudoZ question because I would like to see what your opinion is on how to translate this three terms when they are use together (in the same conversation) and the difference is important. I have used "diferimiento" for deferement, "aplazamiento" for forbearance", and "prórroga" for extension, but I have heard other interpreters used them differently and since I have to train some interpreters in the company I work for, I would like to establish a fixed criterion for everyone to go the same way, and I would like to have an explanation for the choice.

Here are the terms in use:

https://www1.salliemae.com/after_graduation/manage_your_loan...

https://www1.salliemae.com/after_graduation/manage_your_loan...

http://www.bukisa.com/articles/405060_what-truly-payday-loan...

Thanks for you help! :)