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If there was ever a good time to slog through the application process for student loan forgiveness, now is it.

Thanks to some recent changes announced by the Education Department, hundreds of thousands of borrowers should be closer to qualifying for loan forgiveness. But the changes are mostly temporary, and many borrowers will have to submit paperwork in the coming months to take advantage of the relaxed rules.

At the center of the changes are the complicated eligibility requirements for the Public Service Loan Forgiveness (PSLF) program, which awards total loan forgiveness to borrowers who work at least 10 years in often low-paying government and nonprofit jobs. Notorious for its low rate of approved applications, borrowers often get thrown off track by having the wrong type of loan or repayment plan.

The department’s new temporary waiver aims to fix that. It allows payments from loan types and payment plans that were not previously eligible to be counted toward the 120 total payments needed to qualify for forgiveness.

“These temporary fixes are simply fair treatment of people who tried to follow the rules, but were denied due to difficult-to-understand nuances and technicalities,” says Anna Helhoski, a student loan expert at NerdWallet. “Under the waiver, some of these borrowers will see their loans forgiven or, because certain past payments will now count, they’ll be closer to forgiveness.”

The department estimates this waiver alone could help nearly 600,000 borrowers get their student debt forgiven. So far, more than 30,000 borrowers have been successful, with about $2 billion in debt relief already approved in the first round.

Yet there could be some challenges along the way, including simply spreading the word to affected borrowers. About one third of 501(c)(3) and nonprofit employees said they were not aware of these recent changes to the PSLF program, according to a survey by the Student Debt Crisis Center (SDCC) and Savi. That means thousands of borrowers could be leaving money on the table.

The waiver will run through October 31, 2022, so borrowers will need to take action before that date to have previously ineligible payments counted. If you work in a public sector or at a non-profit organization and think there’s any chance you could qualify, it’s worth trying, even if you’ve been denied in the past. Here’s what to do: