Although the student debt cancellation program was Temporarily blocked, it is still recommended to apply as applications can still be reviewed and prepared. Those who are eligible could stand up to $20,000 in student debt relief.

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The form only takes about two minutes to complete. All you need to include is your name, social security number, date of birth, phone number, and email address. You will be contacted by the Education Department if they need you to provide proof of income. The application process will remain open until December 31, 2023.

Find out if you qualify for student debt relief and how to apply. To learn more, avoid student loan scams by spot red flagsand learn what states tax student loan forgiveness.

Read more: “Paying for the rest of my life. Student loan debt is crushing an entire generation

Why is there a hold on student debt relief?

A court on Friday heard a lawsuit brought by six Republican-led states to stop the student loan relief program issued an interim injunction for the debt relief plan. This means that actual student loan debt cancellation will not begin as soon as expected (for some it is November).

The states — Arkansas, Iowa, Kansas, Missouri, Nebraska and South Carolina — argue the Biden administration is overstepping its legal authority. The government will have to answer the call from the states today, and the states must respond by Tuesday.

The application for student loan debt relief will remain open during the trial, and there is no reason to wait to apply.

Who is eligible for student loan debt forgiveness?

As part of President Joe Biden’s plan, the Department of Education forgive up to $10,000 in federal student loan debt for individual borrowers who earn less than $125,000 per year or less than $250,000 for married borrowers or those who are heads of households.

You may also be eligible for additional relief of $10,000 if you received Federal Pell Grants while attending college, totaling up to $20,000 in debt relief.

The White House assured borrowers that debt cancellation would come before Federal student loan repayments resume January 1, 2023.

Read more: 8 million student borrowers get debt relief Automatically

How do I apply for student debt relief?

Most of the estimated 40 million borrowers seeking student loan relief will need to apply for forgiveness using the Department of Education’s online form. The department said that if you submit an application, it will be processed and you will not need to submit it again.

Note that if the Department of Education already has your income information on file, the Department may have enough information to automatically cancel your debt without asking. The pool that will automatically qualify can have up to 8 million borrowers and primarily includes those who are registered with income-based repayment plans. The ministry still recommends completing the form if you think you belong to this group in case they don’t have enough information to automatically cancel the debt.

If the department has not recorded your income, you must complete the application to provide the information the department needs to determine if you are eligible for debt cancellation.

You do not need to upload supporting documents or use your FSA ID to submit your application. The app is now available through desktop and mobile browsers in English and Spanish versions.

Once you submit your application, it will be reviewed to determine your eligibility for debt relief, and the department will work with your loan officers to process your relief. You will receive an email after submitting the form, letting you know that they have received your application, and the department will contact you if they need additional information, such as proof of income. You will also receive updates when your application is approved and sent to your loan officer to process your relief.

Once your loan manager approves and applies the debt forgiveness to your account, it will notify you and share any additional information needed, such as your remaining balance.

What information do you need to complete the student loan relief application?

The Ministry of Education’s Student Loan Debt Cancellation Application consists of two sections: The first, titled “Borrower Information”, contains fields that you will complete to provide the information the Ministry needs to determine your eligibility.

The application requires the following personal information from the borrowers:

  • Name (including a former family name, if applicable)
  • Social Security number
  • Date of Birth
  • Phone number
  • E-mail address

The second section, titled “Review and Submit Agreement,” is a sworn statement that you are eligible for debt relief. It asks borrowers to affirm that they are applying for loan forgiveness, that they are eligible based on income requirements and that, if asked, they will provide proof of income to the Department of Education by 31 March 2024.

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You may qualify for $10,000 to $20,000 in student loan debt forgiveness.

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How do I access the student debt cancellation request?

The Department of Education’s online form to apply for federal student debt relief is available now. Visit to apply.

When is the deadline to apply for student debt relief?

Eligible borrowers have until December 31, 2023 to apply for forgiveness.

At a press briefing on Aug. 26, National Economic Council deputy director Bharat Ramamurti said that once borrowers complete their applications, “they can expect relief within four to six weeks”. It’s unclear, however, how delaying student debt forgiveness until the proposed Oct. 23 date will affect that timeline.

“Borrowers are advised to apply before around November 15, in order to receive relief before the payment break expires on December 31,” Ramamurti said.

To learn more about the Student Loan Plan, go to the Department of Education’s subscription page and sign up to receive “Federal Student Loan Borrower Updates”, the first box at check off a long list of education-related topics.

If you made student loan payments during the moratorium, you can now request a refund from your loan servicer. For anyone who isn’t eligible for student loan forgiveness — or who will still owe money after debt forgiveness — payments and interest are still suspended until January 2023.

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