Federal Student Loan Debt Forgiveness

Please Read!! Student Loan Debt Relief Is Blocked

Courts have issued orders blocking the student debt relief program. As a result, at this time, Federal Student Aid is not accepting applications.

Federal Debt Relief Announcement

Federal Student Aid and the Biden-Harris Administration have announced loan forgiveness plans of up to $20,000 for prior Pell-Grant recipients and up to $10,000 for all other loan borrowers. To be eligible borrower’s annual income must be below $125,000 (individuals) and $250,000 (married couples/head of households). If the U.S. Department of Education doesn’t have your income data – or if you don’t know if the U.S. Department of Education has your income data, the Administration has launched a simple application. Borrowers can view their loan balances and check their Pell Grant status by logging into their Federal Student Aid account online at studentaid.gov.

Debt Relief Application


The Application for Federal Student Loan Debt Relief is open, but debt discharge is paused.  As a result of a court order, there is a temporary block on processing debt discharges.  You are encouraged to apply if you are eligible.  The Department of Education will continue to review applications and will quickly process discharges when they are able to do so.  You will not need to reapply.  Please note:  The debt relief applies only to loan balances you had before June 30, 2022. Any new loans disbursed on or after July 1, 2022, aren’t eligible for debt relief.


Beware of Scams

You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You never have to pay for help with your federal student aid. Make sure you work only with the Department of Education and your loan servicers, and never reveal your personal information or account password to anyone.

Emails to borrowers come from noreply@studentaid.gov, noreply@debtrelief.studentaid.gov, or ed.gov@public.govdelivery.com. You can report scam attempts to the Federal Trade Commission by calling 1-877-382-4357 or by visiting reportfraud.ftc.gov.