Education Department Offers Guidance for Student Loan Borrowers on Payments, Discharges and Relief Options

Borrowers who were part of the Sweet v. Cardona settlement should not make payments. Their debt was discharged.

Borrowers who submitted a borrower defense application should not make payments. Their loans may be wiped out if approved.

Borrowers who received group loan discharges from the Education Department should not make payments. Their debt was canceled.

Borrowers who got notices of loan forgiveness under IDR or PSLF after September 1 should keep making payments. They'll get refunds for overpayments.

Borrowers struggling to make payments can utilize the 12-month "on-ramp" where missed payments won't hurt credit scores. But interest will still accrue.