Federal Student Loan Relief Resources

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Becoming a therapist often requires getting multiple degrees—and sometimes taking out loans. Applying for your student loan debt relief is fast and easy, with many saying it takes less than 5 minutes—even on mobile. 

> Go to the Student Loan Debt Relief application

If you haven’t applied yet or want a little more information, we’ve put together a few facts and resources to help. 

Application checklist

  • Your legal name
  • Social Security Number
  • Date of birth
  • Phone number
  • Email address

After submitting your information, you’ll need to sign the agreement at the bottom. That’s it! 

Important dates

  • Submit your application before December 31, 2023. That’s over a year from now but why wait?
  • Loan cancellations won’t start until October 23, 2022, at the earliest. 
  • Loan repayments restart in January. 
  • Relief should come within 6 weeks of your application.

By how much is my debt reduced? 

This relief effort does not affect any of your private loans. 

If you received a Pell grant, you could receive up to $20,000 off your federal loan. If you didn’t receive a Pell grant, you could receive up to $10,000 off your federal loan. 

If your debt is lower than the amount you could receive, then that is the maximum amount of relief you’ll get, essentially paying it off. For example, if you didn’t receive a Pell Grant and your federal loan is $6,000, your debt relief will be $6,000. 

However, if you made any payments on your loans during the repayment pause, you will receive a refund on those. 

Who qualifies for federal student debt relief? 

  • Individuals who made below $125,000 in 2020 or 2021
  • Households who made below $250,000 in 2020 or 2021

What to expect from the process

The application lays out how debt relief works on their site but here’s a quick summary:

  1. Email confirmation of your application
  2. Application review
  3. Follow-up contact if more information is needed, such as documentation, parental income, other information, or if you don’t have eligible federal loans
  4. Application approval
  5. Debt relief and notification, including refunds of payments done during pause

Helpful links