--- title: Here's Exactly What the Student Loan Forgiveness Application Will Look Like description: Borrowers got a sneak peek at the student loan forgiveness application, which asks them to give personal info and self-certify their income. authors: - name: Kaitlin Mulhere role: Editor url: https://money.com/author/kaitlin-mulhere/ bio: Kaitlin Mulhere has been covering the intersection of college and personal finance since 2015. She enjoys breaking down the complexities of college costs and financial aid, and she also runs Money’s Best Colleges. education: University of Florida at_money_since: 2015 articles: 217 covers: - Personal Finance - Banking - Business - Career Advice - Credit - Credit Cards - Debt - Economy and Politics - Education - Health and Wellness - Housing - Identity Theft - Insurance - Investing - Lifestyle - Loans - Mortgages - Retirement - Shopping - Taxes social: - https://twitter.com/KMulhere - https://www.linkedin.com/in/kaitlin-mulhere-64503048/ editors: - name: Julia Glum role: Managing Editor url: https://money.com/author/julia-glum/ bio: Julia Glum joined Money in 2018 and specializes in covering financial trends that affect everyday Americans' wallets. She also writes Dollar Scholar, a weekly newsletter that teaches young adults how to navigate the messy world of money. education: University of Florida at_money_since: 2018 articles: 453 covers: - Personal Finance - Banking - Business - Career Advice - Credit - Credit Cards - Debt - Economy and Politics - Education - Health and Wellness - Housing - Identity Theft - Insurance - Investing - Lifestyle - Loans - Mortgages - Professional Services - Retirement - Shopping - Taxes - Technology also_seen_in: - Newsweek - International Business Times - CBS News - Good Morning America - WUSA9 - Pix 11 - The New York Times - Mashable - The Washington Post - CNBC - Politico social: - https://x.com/superjulia - https://www.linkedin.com/in/julia-glum published: '2022-10-12T13:23:35.000Z' modified: '2024-01-10T17:41:31.000Z' section: Personal Finance tags: - News - student debt - Student Loans word_count: 519 canonical: https://money.com/student-loan-forgiveness-application-preview/ type: NewsArticle source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Close-up of a hand filling out a paper-form application](https://img.money.com/2022/10/News-2022-Student-Loan-Forgiveness-Applications.jpg?crop=0px%2C0px%2C3514px%2C1977px&quality=85) The application for student loan forgiveness is set to be released soon, and the U.S. Department of Education just released more details about what borrowers can expect. Borrowers will have to self-certify that they earned below the [income cutoff for eligibility](https://money.com/student-loan-forgiveness-who-qualifies/), as well as share their Social Security number, date of birth and contact information, according to a [video](https://twitter.com/WhiteHouse/status/1579864437749530624) shared on Twitter by the White House on Tuesday. The application does not require any supporting documents. It will be available in both English and Spanish, and it will be accessible on desktop and mobile phones. Roughly 40 million borrowers are estimated to qualify for the Biden administration's sweeping [debt relief plan](https://money.com/biden-student-loan-forgiveness-faq/), which aims to grant up to $20,000 in forgiveness for borrowers who received a need-based Pell Grant while they were in college and up to $10,000 for non-Pell borrowers. (Parents who took out PLUS loans on behalf of their child can also receive up to $10,000.) But the initiative is facing several [legal challenges](https://money.com/student-loan-forgiveness-lawsuit/) that have thrown the exact timing of that forgiveness, and the launch of the application that precedes it, into doubt. ## When do student loan forgiveness applications open? The application was originally expected to be released in early October, but the White House preview now says it will open up "later this month." The likely cause of the [delay](https://money.com/student-loan-forgiveness-apply-delay/) is one of those aforementioned challenges: Republican attorneys general in six states have questioned the legality of the program. At court hearing scheduled for this week, a federal judge will decide whether to grant an injunction, stopping the rollout of the loan forgiveness program while the case plays out in court. In a recent legal filing for that case, the Education Department said it would not discharge any debts before Oct. 23, though an injunction could further delay the timeline. About 8 million borrowers may be eligible to receive the relief without applying because the Education Department already has access to their income information through a recently filed [FAFSA](https://money.com/how-to-apply-for-fafsa/) or an income-driven repayment plan. Everyone else will have to fill out the application that was previewed Tuesday. To be eligible, borrowers must have earned less than $125,000 (or $250,000 if married and filing jointly) in either 2020 or 2021. When borrowers certify that they meet the income requirements, they are promising, under penalty of perjury, that they fall below those cutoffs. After submitting the application, some borrowers will be asked to share additional information with the Education Department in a process known as income verification to prove their earnings fall below the necessary threshold. As many as 5 million borrowers will be selected for this process, [according](https://twitter.com/mstratford/status/1579887039595819008?s=20&t=CqT6p5cjClZ5x3sRfZezOA) to reporting from Politico. Most borrowers can expect their loans to be discharged about six weeks after submitting an application, according to an [overview](https://studentaid.gov/debt-relief-announcement/one-time-cancellation) of the plan from the office of Federal Student Aid. Officials are recommending borrowers apply by mid-November to have their debt forgiven before payments resume in January. ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/student-loan-forgiveness-application-preview/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Personal Finance", "item": "https://money.com/personal-finance/" }, { "@type": "ListItem", "position": 3, "name": "Student Loan Debt", "item": "https://money.com/student-loan-debt/" }, { "@type": "ListItem", "position": 4, "name": "Here's Exactly What the Student Loan Forgiveness Application Will Look Like" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/student-loan-forgiveness-application-preview/#webpage", "url": "https://money.com/student-loan-forgiveness-application-preview/", "name": "Here's Exactly What the Student Loan Forgiveness Application Will Look Like", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2022-10-12T13:23:35.000Z", "mainEntity": { "@id": "https://money.com/student-loan-forgiveness-application-preview/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/student-loan-forgiveness-application-preview/#breadcrumb" }, "dateModified": "2024-01-10T17:41:31.000Z" }, { "@type": "NewsArticle", "headline": "Here's Exactly What the Student Loan Forgiveness Application Will Look Like", "articleSection": "Personal Finance", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2022/10/News-2022-Student-Loan-Forgiveness-Applications.jpg?crop=0px%2C0px%2C3514px%2C1977px&quality=85", "width": 1012, "height": 569, "caption": "News-2022-Student-Loan-Forgiveness-Applications" } ], "author": [ { "@type": "Person", "name": "Kaitlin Mulhere", "url": "https://money.com/author/kaitlin-mulhere/", "@id": "https://money.com/author/kaitlin-mulhere/#author", "description": "Kaitlin Mulhere has been covering the intersection of college and personal finance since 2015. 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