How to (Safely) Apply for Student Debt Relief



This summer, the Biden Administration announced up to $20,000 in student debt relief for borrowers. Filling out the application takes just five minutes, but it's important to double check who and where you're providing personal information to.


How Much Debt Relief Can I Get?

  • Up to $20,000 if you received a Federal Pell Grant and make less than $125,000 individually or under $250,000 as a family

  • Up to $10,000 if you did not receive a Federal Pell Grant and make less than $125,000 individually or under $250,000 as a family

The application is now live and you have until December 31, 2023, to apply. Your loan servicer will notify you with updates upon submission.

Here are a few reminders to make sure you're submitting personal information safely.

  • The application will never ask for payment. If a company offers you forgiveness and cancellation for a fee, it is not legitimate.

  • Only work with loan servicers. You won't ever reveal your account password to anyone. Never share log-in information.

  • If your password has been shared, be sure to change your FSA ID log-in.

  • Emails will come from noreply@studentaid.gov, noreply@debtrelief.studentaid.gov, or ed.gov@public.govdelivery.com.

  • Any scams can be reported to the FTC by calling 1-877-382-4357

If you can't apply online, a paper version will be made available soon. For any questions, visit the application FAQ here.


It's always good to be cautious. If you're nervous about a site's legitimacy, be sure to ask a trusted adult.


Want to learn more about student loans and paying for school? Explore FitMoney's Financially Fit Certificate and other resources below.