From Assemblymember Phil Ting

Apply For Student Loan Relief

The application for the Biden-Harris one-time student loan debt relief program is finally online. Borrowers can submit their applications here. Although the actual forgiveness of debt is on hold due to a recent federal court case, the U. S. Department of Education still urges student loan borrowers to apply now.

Adjusted Gross Incomes must be less than $125,000 for single filers or $250,000 for couples. While applicants will have to state their earnings, some may have to show proof of income. Any false information could result in fines or jail time.

Amounts forgiven are as follows:

  • $20,000 for those who received a Pell Grant while in college
  • $10,000 for those who did not receive a Pell Grant

About 40 million people are eligible for this debt relief. As many as half of that group is expected to have their entire student loan forgiven under the program. You may submit applications through 2023, but the federal government encourages borrowers to do so by November 15, 2022. That's because the freeze on student loan payments and interest expires on January 1, 2023, and it would be beneficial to have a reduced balance before repayment starts again. Anyone with an outstanding balance after going through the cancellation process will have their payments capped at five percent of their monthly income.

Have more questions or want more information? You may view a webinar on the program.  


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