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How to Apply for Federal Student Loan Cancellation

As of November 10, 2022, two federal courts have blocked the Department of Education from discharging debts under its Student Loan Cancellation program. For the time being, the Department of Education is no longer accepting cancellation applications. The Department of Education is seeking to overturn the Court decisions.

Given these legal challenges, the Department of Education has also extended the student loan repayment pause until, at the latest, June 30, 2023. It is possible that payment will restart before that time if the Department is “permitted to implement the program or the litigation is resolved” before June 2023. This means that repayment will NOT be restarting on January 1, 2023. For additional information, please visit the Department’s website here.

We will provide further updates as they are available.

Updated December 5, 2022

If you have federal student loans, you may be eligible for debt cancellation. Check out our quick guide outlining how to apply: StudentLoanCancellation.

If you still have questions:

  • Visit Legal Aid’s Student Loan FAQ page:
  • Call Legal Aid's Student Loan Information Line at 216-861-5899 (Cuyahoga County) or 440-210-4532 (Ashtabula, Geauga, Lake, and Lorain Counties).

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