Biden Loan Forgiveness Halted



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Biden's Loan Forgiveness Program Paused

Daniel Morgan

Updated – Oct 26th 2022

Last week a federal court put a temporary hold on the cancellation of federal student loans. Over 22 million borrowers have already applied for the Biden’s debt relief program. 

The appeal was granted by the 8th circuit U.S. Courts of Appeals. The injunction was filed by a group of six republican states hoping to block the forgiveness program altogether. 

The courts has not provided any information on when they will rule on the case. however it has been expedited on the motion. As of right now the courts has ordered the Biden administration to pause on canceling student loan debt under the program. Plans to start cancelling the debt was set to start as early as next week

The decision came a day after U.S. District Judge Henry E. Autrey, dismissed the states’ lawsuit for lack of standing. Earlier Thursday, U.S. Supreme Court Justice Amy Coney Barrett denied a separate request by the Wisconsin Institute for Law and Liberty, working on behalf of a taxpayer’s association, to pause the program.

President Biden’s loan relief plan would discharge up to $10,000 in federal student debt for borrowers who earn up to $125,000 annually, or up to $250,000 for married couples. Borrowers who received Pell Grants are eligible for an additional $10,000 in forgiveness. Borrowers can apply until the end of 2023. 

Biden hopes of it being processed before a pause on student loan payments ends Dec. 31.

What Other Forgiveness Programs Are Out There?



Biden’s Student Loan Forgiveness Plan — How It Works

Following an abrupt change to eligibility rules in response to legal challenges, only government-held federal student loans are eligible for the student loan forgiveness relief. Commercially-held FFELP loans, which originally could qualify if consolidated, are no longer eligible as of September 29.

The forgiveness program application

The application for the student loan debt relief program is still available. borrowers can visit studentloan.gov to apply. Applications will be submitted however not processed. 

The administration hops to resume the cancellation as early as Dec 31st

Biden Debt Relief Application



Easy to qualify programs for student loan relief
After graduation my loan payments where sky high
…I made the call and walked away with my loans forgiven!

You Should Call



Daniel Morgan

Updated – Oct 17th 2022

Biden student loan forgiveness program


The day we have all been so patiently waiting on is finally here. President Joe Bidens promised federal student loan forgiveness program application is finally ready to accept applicants.

The Biden administration discloses that this application is what they are calling a “Beta Version” of the application. All Americans seeking student loan debt relief can apply for the student loan cancellation. But must understand their application will be used for the purposes of improving the the process and application for future applicates.

In August, President Joe Biden announced his decision to cancel up to $10,000 in student loan debt for individuals making less than $125,000 a year or as much as $20,000 for eligible borrowers who were also Pell Grant recipients.

Individuals that apply for the debt cancellation in this “Beta” period will be emailed a confirmation that the application was received. However the debt relief application will not be processed until the formal application and site is released.

Borrowers that apply during this prelaunch will not need to reapply or resubmit there applications once the real site is launched. This testing period will allow the Dept of Education to pin point and resolve any bugs or issues to the site in real time. and monitor the functionality of the application and website.

Some things to note....

Borrowers must have federally held student loans to qualify. In addition to federal Direct Loans used to pay for an undergraduate degree, federal PLUS loans borrowed by graduate students and parents may also be eligible if the borrower meets the income requirements.

Individuals with loans guaranteed by the federal government however are held by private lenders will not qualify as of right now. Programs like the Federal Family Education Loan program and Federal Perkins Loan program are also excluded from the forgiveness. These individuals would have needed to consolidate those loans into a Direct Loan by September 29th. 

A few Income Points About The Forgiveness Program

Borrowers who made less than $125,000 in 2020 or 2021 and married couples or heads of households that earned lower than $250,000 annually in those years are eligible for up to $10,000 of their federal student loan debt forgiven. The income elements are determined by the adjusted gross incomes.


What Does the Application Look Like?

Here is a preview of the application. This is no cost for the application. However paid services are available for assistance and guidance. For assistance from a student loan specialist click here

The application will begin with a brief description of who qualifies based on their income.  followed by how the application process will work. 

Below that you will see a link providing you with the option to learn more. This will be followed by an information form in which you will have to fully complete. and ends with an electronic signature of your fill name and an acceptance of the disclosure statement. 

Once you complete that. will then need to hit the submit button. 

Where professional may be needed is after this initial process. The Government informs us that individuals seeking the forgiveness. May be required to provide additional documents as well as other forms of verification. 

After submitting the application once the website officially launches, most qualifying borrowers are expected to receive debt relief within weeks.

For professional student loan help with your application click here or call 833-782-7133

Here's The Application

What If You Don't Qualify For the Forgiveness Program

One program we can see with the process already. is that borrowers are not informed if the are eligible once they complete the application immediately. Leaving may feeling like they are approved, when in fact they may not. Borrowers will not be notified of this unfortune news until months later. This will leave borrowers feeling like they wasted their time when they could have used that time to investigate and seek other programs and help. 

Because of this, we encourage borrowers to contact a student loan company and have them review your loans and help you to find out if your loans will qualify.  A professional student loan company can assist in determining if your student loans have a chance at getting the Biden forgiveness. And if chances are that your loans will not qualify. They in many causes can direct you to other programs that my still be able to provide you with some debt relief or cancellation. 




Student Loan Payments Restart In January

The honeymoon for student repayment is approaching its end. The hard reality is that as good as this Biden student debt relief is. Many will not qualify and benefit. Those individuals will have to start back paying on there student loans at the end of January 2023.  


Many will have student loan payments they cannot afford struggle to pay. Income based repayment option may be a solution. 

Need your monthly payments reduced?

Call (833)-782-7133