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The National Consumer Law Center’s Student Loan Borrower Assistance Project is a resource for borrowers, their families, and advocates representing student loan borrowers.

News: On August 24, 2022, President Biden announced widespread student debt cancellation of up to $20,000 for eligible borrowers. However, because of recent lawsuits challenging President Biden's cancellation plan, the program is on hold. As a result, the cancellation application is not currently available online. If you are one of the 26 million people who have already applied or have already been told by the Department of Education that you are eligible for relief, you do not need to do anything further. The Department will hold your application until the lawsuits are resolved.

For more the latest information on the lawsuits, see our blog here. For general information on the cancellation plan check our page here. To get updates about cancellation and repayment, check here or sign up for updates directly with the Department of Education here.

The payment pause has been extended again until 60 days after the lawsuits are resolved, but if the lawsuits are not resolved by June 30, 2023, the Department of Education has said repayment will begin on or around September 1, 2023.

What can we help you with?

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Cancel Student Loans

  • The most complete way to deal with student loan debt
  • There are different cancellation programs for federal student loans
  • See if you are eligible for cancellation and how to apply
Applying for Cancellation
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Loan Repayment

  • Get information about the payment pause
  • Sign up for an affordable repayment plan?
  • Learn about other help with repayment?
Help With Repayment
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Collection Issues

  • Don’t give up if your loans are in default or collections
  • Learn about the new Fresh Start program to get out of default
  • Get help if you are facing collection
Help With Collection