Find advice for your student loans

Are you a professional looking for more resources to help students?

• Check out our resources to help students pay for college, manage their money, and repay student debt
• See more about how people can qualify for public service loan forgiveness

See more resources to use with the people you serve

Prepare for changes in student loans this year

There are major changes—and opportunities—in federal student loans coming up in 2022.

• You may qualify for up to $20,000 in student loan forgiveness. Borrowers with federally held loans and incomes under $125,000 (individuals) or $250,000 (married couples or heads of household) can apply for up to $10,000 in student debt cancellation—or up to $20,000 if they received a Pell Grant in college. It will be free to apply for and receive cancellation.
• Until 10/31/2022, borrowers pursuing Public Service Loan Forgiveness can apply to get credit for payments that didn’t previously count. This means that if you’ve been denied before, you should apply again. Or, if you have never explored PSLF, now is the time to see if you could qualify. Get your personalized next step at studentaid.gov/pslf .
• The Department of Education is making a one-time adjustment to count any month spent in repayment, some deferment periods (prior to 2013), and some forbearance periods toward Income-Driven Repayment (IDR) forgiveness. You may need to take action to qualify. Learn more about the IDR fixes and account adjustments that will count time toward IDR forgiveness.
• Many borrowers will have their federal student loans transferred to a new servicer. If your loans are or were serviced by Navient , Granite State , or FedLoan , learn what servicer transfer means for you.
• Payments and interest on federally held student loans are currently paused until December 31, 2022. Find out if your loans qualify and what steps to take if they don't.

Protect yourself from student loan scams

All these changes make a ripe environment for student loan scams. In addition to the policies listed above, learn more about the existing student loan forgiveness programs here .

It may be a scam if someone you don't know:

• asks you to verify your income, social security number, or other personal information over the phone
• promises to reduce or eliminate your student loans
• requests your Federal Student Aid information
• pressures you to pay up-front fees
• claims to be affiliated with the Department of Education or your current student loan servicer

Using the names of politicians in your online searches may lead to more scams in the search results, as scammers try to take advantage of confusing news. Studentaid.gov should be your trusted source for up-to-date student loan information.

If you are suspicious of a company contacting you, contact your current servicer. More tips on spotting scammers can be found on the CFPB's fraud and scams page.