The application for student loan forgiveness is online. How to register

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Millions of Americans can take their first step to cancel between $10,000 and $20,000 in federal student debt.

The Ministry of Education launched its official app for Monday’s student loan forgiveness after unveiling a beta version of the app last week. The Ministry of Education says the app is “simple, easy to use” and can be accessed on its website.

The president announced a sweeping federal student loan forgiveness plan in August that applied to most borrowers. Biden’s plan allows borrowers earning less than $125,000 to forgive $10,000 in federal school loan debt, while married couples are eligible for $10,000 per person in debt forgiveness if their joint income is lower at $250,000. Borrowers on Pell grants, which primarily target low-income students, are eligible for an additional loan forgiveness of $10,000, for a total of $20,000, if they meet income requirements.

While Biden’s loan cancellation plan was welcomed by those with student loan debt, he faced immediate challenges from political opponents. In the face of mounting legal challenges, the Biden administration quietly rolled back debt forgiveness for hundreds of thousands of borrowers. Borrowers who have Perkins loans and Federal Family Education Loans (FFEL) from private lenders are no longer eligible for loan forgiveness if they have not applied to consolidate them by September 29, according to updated guidelines from the Ministry of Education.

The White House still estimates that about 43 million federal student loan borrowers are eligible for the rebate, but most will need to complete the application to receive it. The Department of Education only has income information for about 8 million borrowers and recommends that every federal student loan borrower apply, even those who may automatically qualify.

How to Complete the Student Loan Forgiveness Application

The student loan forgiveness application is short and does not require any supporting documents or FSA ID. It asks borrowers for their full name, social security number, date of birth, phone number, and email address. At the end of the application, borrowers must certify that they are applying for federal student loan debt relief and that their 2020 or 2021 income was below the income limits. It is available in English and Spanish. Once submitted, the Department of Education will review your application and work with your loan officer to process the relief. They will contact you if they need additional income information and let you know when they have been approved.

Important Dates and Details for Student Loan Forgiveness

Now that the beta version of the app is live, here are some other key student loan forgiveness dates and details to keep in mind:

November 15: Recommended deadline to apply

Start collecting your earnings information now, as the Department of Education recommends completing the application by November 15 to receive a rebate before payments resume in January. Once you submit your application, you can expect relief within 4-6 weeks if approved.

January 1, 2023: Resumption of student loan repayments

Federal student loan repayments are currently set to resume early next year after a three-year hiatus. Experts recommend budgeting for the future now that takes into account potentially lower monthly student loan repayments and using that time to focus on other important aspects of your finances. Build up an emergency fund, pay off high-interest debt, or invest in a traditional retirement plan, because these are areas where you can put your money to work right now.

December 31, 2023: Closing of applications

The Department of Education will continue to process student loan forgiveness applications through the end of 2023, but you must apply by mid-November to receive relief before the end of the waiver period. suspension of payments.

Pro tip

If you qualify for a discount, it’s important to update your contact information with your loan manager, check your mail or email for up-to-date information on your loans.

How to avoid scams and safely apply for student loan forgiveness

If you’re getting emails, phone calls, and text messages from unrecognizable numbers and people about canceling a student loan, be careful. Scams and misinformation related to Biden’s loan forgiveness are rife, and federal officials are sounding the alarm.

The White House recently said it plans to crack down on student loan scammers nationwide and outlined tips to help borrowers avoid student loan forgiveness fraud. Here are some do’s and don’ts, according to the Department of Education:

Not to do

  • Don’t pay anyone to cancel your loans. Applying for student loan forgiveness is free.
  • Do not give anyone your FSA ID, account information or password. The Department of Education or your loan officer will never call or email you asking for this information.
  • Never give personal or financial information to someone you don’t know over the phone.
  • Don’t refinance your federal student loans unless you know the risks. If you refinance your federal student loans into a private loan, you will no longer be eligible for Biden’s unique debt cancellation plan.

To do

  • Create an FSA ID on You won’t need it to request a discount, but it gives you easy access to important information about your loans.
  • Make sure your contact information is up to date with your loan manager. If you don’t know who your loan officer is, log in to your account on to find out.
  • Sign up for email alerts at to get important updates on Biden’s loan forgiveness plan.

Report scammers to the Federal Trade Commission.

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