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Extension of Student Loan Payment Pause due to Debt Cancellation Being Legally Challenged

鈥淧ayments will resume 60 days after the Department is permitted to implement the program or the litigation is resolved, which will give the Supreme Court an opportunity to resolve the case during its current Term,鈥� ED鈥檚听听reads. 鈥淚f the program has not been implemented and the litigation has not been resolved by June 30, 2023 鈥� payments will resume 60 days after that.

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This one-time debt relief is provided by the U.S. Department of Education (ED) as part of the Biden-Harris Administration听. The U.S. Department of Education will provide up to $20,000 in debt cancellation to Pell Grant recipients with loans held by the U.S. Department of Education (ED) and up to $10,000 in debt cancellation to non-Pell Grant recipients.听 The relief includes听students and borrowers who have federally-held undergraduate, graduate, and Parent PLUS loans where the first disbursement was on or before June 30, 2022.听Private loans are not eligible.

Apply for student loan debt relief by submitting the as soon as possible but before December 31, 2023.

Who is Eligible

To be eligible for the , you should meet the following income requirements:

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If you were a dependent student during the 2021-2022 academic year, this income cap will be based on your parents鈥� income.听You need to meet the income criteria for either 2020 or 2021.

Which Loans are Eligible

The following types of federal student loans disbursed (when you received your loan funds) on or before June 30, 2022, are eligible for relief:

• William D. Ford Federal Direct Loan (Direct Loan) Program loans
  • Subsidized Loan
  • Unsubsidized Loan
  • Parent PLUS Loan
  • Graduate PLUS Loan
• Federal Family Education Loan (FFEL) Program loans held by ED or in default at a guaranty agency
• Federal Perkins Loan Program loans held by ED
• Defaulted loans (includes ED-held or commercially serviced Subsidized Stafford, Unsubsidized Stafford, parent PLUS, graduate PLUS; and Perkins loans held by ED)
• Consolidation loans as long as all of the underlying loans that were consolidated were ED-held loans and were disbursed on or before June 30, 2022
• Consolidation loans comprised of any FFEL or Perkins loans not held by ED are also eligible, as long as the borrower applied for consolidation before Sept. 29, 2022.

Find your Federal Loans and Loan Servicers

You can determine the type of your federal loans and the names of your servicers by logging into .

1. Select 鈥淢y Aid鈥� in the dropdown menu under your name at the top right of the screen
2. The 鈥淢y Aid鈥� section will show you the servicer(s) for your loans.
3. The 鈥淟oan Breakdown鈥� will show you a list of the loans you received. You'll also see loans you paid off or consolidated into a new loan.
4. If you expand 鈥淰iew Loans鈥� and select the 鈥淰iew Loan Details鈥� arrow under a loan, you'll see the more detailed name for that loan (along with other information about it).
   • Direct Loans begin with the word 鈥淒irect.鈥�
   • Federal Family Education Loan Program loans begin with 鈥淔FEL.鈥�
   • Perkins Loans include the word 鈥淧erkins鈥� in the name.
   • If the name of the servicer starts with 鈥淒ept. of Ed鈥� or 鈥淒efault Management Collection System,鈥� your FFEL Program loan or Perkins Loan is federally managed (i.e., held by ED). Only federal loans are eligible for debt relief. Private loans aren鈥檛 eligible and won鈥檛 show on your dashboard.

Next Steps

• After you submit your Student Loan Debt Relief , you will receive an email confirmation
• ED will review your application to confirm that you are eligible. They will contact you if they need additional information.
• You will be notified once your application is approved
• Loan servicers will apply your relief directly to your account. Each loan servicer you have will notify you separately. They will let you know if your loans are paid in full or have an outstanding balance. If you have an outstanding loan balance, they will also notify you what your new monthly payment will be once payments resume after Dec. 31, 2022
• If you made payments during the payment pause (from March 13, 2020, through Dec. 31, 2022) that brought your balance below what you鈥檙e eligible for ($10,000 or $20,000) but didn鈥檛 pay off your loan in full, ED will refund those payments automatically. See听
• Log in to your account with your听听to make sure your servicer has your most current contact information so they can reach you.

Help

has the latest information on the application process. If you need help filling out the form online or have questions related to your specific borrower situation, you can reach out to contact center agents at 1-833-932-3439. Please read the .

Beware of Scams

• Do not pay anyone who contacts you saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You听never听have to pay for help with your federal student aid
• Make sure you only work with ED and their loan servicers. Loan servicer information is available at 听
• Never reveal your personal information or account password to anyone
• ED sends emails to borrowers from noreply@studentaid.gov, noreply@debtrelief.studentaid.gov, or ed.gov@public.govdelivery.com
• Report scam attempts to the Federal Trade Commission by calling 1-877-382-4357 or by visiting

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