联邦学生贷款债务减免
Extension of Student Loan Payment Pause due to Debt Cancellation Being Legally Challenged
“Payments 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,“艾德 请注意 读取. “If the program has not been implemented and the litigation has not been resolved by June 30, 2023 – payments will resume 60 days after that.
This one-time 债务减免 is provided by the U.S. Department of Education (ED) as part of the Biden-Harris Administration 学生债务减免计划. 美国.S. Department of Education will provide up to $20,000 in debt 取消 to Pell Grant recipients with loans held by the U.S. Department of Education (ED) and up to $10,000 in debt 取消 to non-Pell Grant recipients. The relief includes students and borrowers who have federally-held under研究生, 研究生, and Parent PLUS loans where the first disbursement was on or before June 30, 2022. 私人贷款不符合条件.
Apply for student loan 债务减免 by submitting the 应用程序 as soon as possible but before December 31, 2023.
谁符合资格
才有资格 债务减免, you should meet the following income requirements:
纳税申报情况 | 2020年或2021年收入(基于AGI) |
没有报税 | Made less than the required income to file federal taxes |
单 | 125000美元以下 |
结婚了,分开报税 | 125000美元以下 |
结婚,共同报税 | 250000美元以下 |
户主 | 250000美元以下 |
合格的寡妇(er) | 250000美元以下 |
If you were a dependent student during the 2021-2022 academic year, this income cap will be based on your parents’ income. 你 need to meet the income criteria for either 2020 or 2021.
哪些贷款符合资格
The following types of federal student loans disbursed (when you received your loan funds) on or before June 30, 2022, 有资格获得宽免:
- 威廉D. Ford Federal Direct Loan (Direct Loan) Program loans
- 补贴贷款
- 未受资助的贷款
- 家长PLUS贷款
- 毕业生加分贷款
- 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, 未受资助的斯塔福德, 父母+, 研究生 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 贷款 and Loan Servicers
你 can determine the type of your federal loans and the names of your servicers by logging into StudentAid.政府.
- Select “My Aid” in the dropdown menu under your name at the top right of the screen
- The “My Aid” section will show you the servicer(s) for your loans.
- The “Loan Breakdown” will show you a list of the loans you received. 你'll also see loans you paid off or consolidated into a new loan.
- If you expand “View 贷款” and select the “View Loan Details” arrow under a loan, you'll see the more detailed name for that loan (along with other information about it).
- 直接贷款以“直接”一词开头.”
- Federal Family Education Loan Program loans begin with “FFEL.”
- Perkins 贷款 include the word “Perkins” in the name.
- If the name of the servicer starts with “Dept. of Ed” or “Default Management Collection System,” your FFEL Program loan or Perkins Loan is federally managed (i.e.,由环保署持有). Only federal loans are eligible for 债务减免. Private loans aren’t eligible and won’t show on your dashboard.
下一个步骤
- After you submit your Student Loan Debt Relief 应用程序,您将收到一封确认邮件
- ED will review your 应用程序 to confirm that you are eligible. They will contact you if they need additional information.
- 你 will be notified once your 应用程序 is approved
- Loan servicers will apply your relief directly to your account. Each 贷款服务机构 you have will notify you separately. They will let you know if your loans are paid in full or have an outstanding balance. 如果你有未偿还的贷款余额, 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’re eligible for ($10,000 or $20,但你没有全额还清贷款, ED will refund those payments automatically. 看到 退款过去的付款
- 用你的 贷款服务机构 to make sure your servicer has your most current contact information so they can reach you.
帮助
StudentAid.政府 has the latest information on the 应用程序 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. 请阅读 常见问题.
谨防诈骗
- Do not pay anyone who contacts you saying they will help you get loan discharge, 宽恕, 取消, 或者收费减免债务. 你 从来没有 have to pay for help with your federal student aid
- Make sure you only work with ED and their 贷款服务机构s. Loan servicer information is available at Studentaid.政府 /管理贷款还款/服务商
- Never reveal your personal information or account password to anyone
- ED向借款人发送电子邮件 noreply@studentaid.政府, noreply@debtrelief.studentaid.政府, or ed.政府@public.政府delivery.com
- Report scam attempts to the Federal Trade Commission by calling 1-877-382-4357 or by visiting reportfraud.联邦贸易委员会.政府