Credit Debt Forgiveness Act
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FAQ
Begin the student loan forgiveness application process Work with your servicer to find the right application, fill it out, and double-check the details. Be sure that your employment qualifies you for student loan forgiveness. For PSLF you must make 120 on-time payments while working for a qualifying employer.
After you make your 120th qualifying monthly payment for PSLF, you'll need to submit the PSLF form to receive loan forgiveness.
Eligible borrowers will be informed by the Department starting today that they qualify for forgiveness without further action on their part. Discharges will begin 30 days after emails are sent. Borrowers who wish to opt out of the discharge for any reason should contact their loan servicer during this period.
Whether you have made 120 qualifying payments, or not, you should fill out and submit the PSLF form annually or whenever you change employers. Otherwise, you'll have to submit PSLF forms for each employer you worked for all at once.
Student Loan Debt Relief Visit StudentAid.gov/debtrelief to learn more about the actions President Biden announced following the decision and find out how this decision impacts you.
