You can now submit your application for student loan debt forgiveness online using the Federal Student Aid form. Over the weekend, the government launched a beta version and millions of applications have already been processed – President Joe Biden said 8 million were “processed” over the weekend. The application process will remain open until December 31, 2023.

The short form takes about two minutes to complete. You can apply for up to $20,000 in debt relief if you owe money on federal student loans and earned less than $125,000 a year or $250,000 as head of household or married filing a joint return in 2020 or 2021.

No student loan debt will be canceled until October 23, 2022at the earliest as declared by the Ministry of Education response to a court document to motion for restraining order in a court trial by six Republican-led states to end the student loan relief program. A federal judge has heard arguments on the restraining order and could grant or deny it any day.

There is no reason to wait to apply unless you are working you get a refund on student loans you’ve paid off.

Learn if you’re eligible for student loan forgiveness and how to apply for student loan debt relief. For more, avoid student loan scams from spotting red flagsand learn which ones states tax student loan forgiveness.

Read more: I applied for student loan repayment. Now my forgiveness is more complicated

Who is eligible to cancel their student loan debt?

Under Biden’s plan, the Department of Education will cancel up to $10,000 in federal student loan debt for individual borrowers making under $125,000 per year or less than $250,000 for married borrowers or those who are heads of households.

You may also be eligible for an additional $10,000 in debt relief if you received federal Pell Grants while enrolled in college, totaling up to $20,000 in debt relief.

The White House assured borrowers that debt cancellation would happen before then Federal student loan payments begin again on January 1, 2023.

Read more: 8 million student loan borrowers receive debt relief Automatically

How do you apply for student debt relief?

Most of the roughly 40 million borrowers seeking student loan relief will have to apply for forgiveness using Ministry of Education online form. The department said that if you submit an application, it will be processed and you will not need to submit again.

Note that if the Department of Education already has information about your income, the department may have enough information to automatically forgives your debt without applying. The group that will qualify automatically can count the most 8 million borrowers and includes primarily those enrolled in income oriented repayment plans. The Department recommends that you still complete the form if you think you are in this group, in case there is not enough information to automatically cancel the debt.

If the department does not have records of your income, you must complete the application to provide the information the department needs to determine if you are eligible for debt cancellation.

You do not need to upload supporting documents or use your FSA ID to submit your application. The app is now available via desktop and mobile browsers in both English and Spanish.

After you submit your application, it will be reviewed to determine if you qualify for debt relief, and the department will work with your credit servicers to process your relief. You will receive an email after submitting the form notifying you that your application has been successfully received and the department will contact you if they need any further information such as proof of income. You will also receive updates when your application is approved and sent to your lender to process your relief.

Once your creditor approve and apply the debt forgiveness to your account, it will notify you and share any additional information needed, such as your remaining balance.

What information do you need to complete the Student Loan Relief Application?

The Department of Education’s application for student loan debt forgiveness includes two sections: The first, labeled “Borrower Information,” has fields you’ll fill out to provide information the department needs to determine your eligibility.

The application requires the following personal information from borrowers:

  • Name (including previous surname if applicable)
  • Social Security Number
  • Date of birth
  • Phone number
  • E-mail address

The second section, labeled “Review and Submit Agreement,” is an affidavit that you qualify for debt relief. It requires borrowers to confirm that they are seeking loan forgiveness, that they are eligible based on income requirements and that, if asked, they will provide proof of income to the Department of Education before March 31, 2024.

A hand holding a stack of 100 dollar bills

You may be eligible for $10,000 to $20,000 in student loan debt forgiveness.

James Martin/CNET

How do you access the student debt forgiveness application?

The Department of Education’s online form to apply for federal student loan debt relief is available now. Visit To Apply.

What is the deadline for applying for student loan debt relief?

Eligible borrowers have up to December 31, 2023to apply for a pardon.

During Press briefing on August 26, National Economic Council deputy director Bharat Ramamurthy said that once borrowers fill out their applications, “they can expect relief within four to six weeks.” However, it’s unclear how delaying student debt cancellation until the proposed Oct. 23 date would affect that time frame.

“Borrowers are advised to apply by approximately November 15 to get relief before the payment break expires on December 31,” Ramamurthy said.

To learn more about the student loan plan, go to Ministry of Education subscription page and sign up to receive “Federal Student Loan Lender Updates,” the first check box in a long list of educational topics.

If you made payments on your student loans during the moratorium, you can now request a refund from your creditor. For anyone who doesn’t qualify for student loan forgiveness — or who will still owe money after debt cancellation — payments and interest are still on hold until January 2023.

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