Federal Student Loan Relief

U.S. Department of Education

U.S. CITIzens and residents
Coming Soon

The CARES Act passed on March 27, 2020, includes relief that applies to approximately 95% of all federal student loans. 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 are automatically suspended without penalty until September 30, 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 September 30, 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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  • 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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