Form Modification Loan Forgiveness
Description
How to fill out HAMP Loan Modification Package?
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FAQ
You can use the PSLF Help Tool to assist you in completing and submitting the Public Service Loan Forgiveness (PSLF) form electronically with both your and your employer's signatures.
Any borrower with ED-held loans that have accumulated time in repayment of at least 20 or 25 years will see automatic forgiveness, even if the loans are not currently on an IDR plan.
Hear this out loud PauseIf you have loans that have been in repayment for more than 20 or 25 years, those loans may immediately qualify for forgiveness. Borrowers who have reached 20 or 25 years (240 or 300 months) worth of payments for IDR forgiveness may see their loans forgiven in Spring 2023.
If you work full time for a government or nonprofit organization, you may qualify for forgiveness of the entire remaining balance of your Direct Loans after you've made 120 qualifying payments?i.e., 10 years of payments. To benefit from PSLF, you need to repay your federal student loans under an IDR plan.
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.