Federal student loan borrowers may receive loan relief, including suspended payments and zero interest

For residents of:

South Florida and beyond

Provided by:

U.S. Department of Education

Ideal for:

Federal Student Loan Borrowers

The CARES Act includes relief that applies to approximately 95% of all federal student loans.

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  • Loan payments are automatically suspended without penalty until December 31, 2020.
  • Loan payments suspension started March 13th. If you made a payment after that date, you may be eligible to receive a refund. Contact their loan servicer for details.
  • Interest will not accrue while loan payments are suspended.
  • Collection of defaulted loans is suspended until December 31, 2020.
  • For borrowers working towards loan forgiveness through the Public Service Loan Forgiveness program there is a special benefit: the 6 months of payments being suspended will count towards the fulfillment of the 10 year/120 payment plan.
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  • Relief applies mostly to Direct and Federal Family Education Loans (FFEL).
  • Benefits do not apply to Perkins Loans, commercially-held FFEL loans or private student loans.
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  • Borrowers should receive relief information associated with their loans via mail but check with the provider servicing your loan for details on specific options.
  • Loan payments have been automatically suspended. No additional steps or applications are required, but if you have questions you should contact your loan provider.
  • If you choose, you are able to continue making payments on your student loan during this period.

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