Student Loan Consolidation

Student Loan Debt Relief is Blocked

Courts have issued orders blocking our student debt relief program. As a result, at this time, we are not accepting applications. We are seeking to overturn those orders.

If you’ve already applied, they will hold your application.

Understanding Loan Forgiveness

The terms forgiveness, cancellation, and discharge mean nearly the same thing, but they’re used in different ways. If you’re no longer required to make payments on your loans due to your job, this is generally called forgiveness or cancellation. If you’re no longer required to make payments on your loans due to other circumstances, such as a total and permanent disability or the closure of the school where you received your loans, this is generally called discharge.

How much are you eligible for?

Up to $20,000 in debt relief if you received a Federal Pell Grant in college and meet the income requirements

Up to $10,000 in debt relief if you didn’t receive a Federal Pell Grant in college and meet the income requirements

Will my debt relief be taxes?

One-time student loan debt relief won’t be taxed at the federal level. Some states may be taxing this debt relief, so check with your state of residence for the latest information. (See below, “What if I don't want to receive debt relief?”)

How do I complete the application if I have limited internet access, have a disability, or live abroad?

The Student Loan Debt Relief Application is available online and in paper form (downloadable via PDF) in English and Spanish. Both the online and paper PDF applications are compliant with Section 508 of the Rehabilitation Act of 1973, as amended, to ensure access to individuals with disabilities.

If you do not have internet access or need a paper version of the application, you can download a PDF copy of the Student Loan Debt Relief Application, print it, fill it out, and mail it to our fulfillment center as described on the application. If we contact you for additional information, you may need to submit another form. If so, you can also find paper copies of those forms in our library.

If you need help filling out any of the forms, you can reach our contact center. If you’re deaf or hard of hearing, you can get help from our contact center through chat or email. You can also contact us using a Video Relay Service. If you speak a language other than English, our contact center provides support for over 100 common languages, including Spanish, Chinese, and French.

If you’re an American living outside the United States, you can access the Debt Relief Application without having to use a virtual private network (VPN). If you have any issues accessing the form while abroad, please reach out to our contact center.