Form Library

For borrowers who are trying to rehabilitate their defaulted loan(s)—you can use this form to request an alternative payment amount if the amount your loan holder offered is too high for you to afford.

For borrowers who are pursuing PSLF or TEPSLF—you can use this form to update your count of qualifying payments or apply for PSLF and TEPSLF.

You can use the online PSLF Help Tool to check if your employer qualifies, learn what actions you may need to take to become eligible for PSLF or TEPSLF, and generate the PSLF form.

For borrowers who are seeking lower payments based on their income—this form allows you to apply for income-driven repayment plans. The online application is more efficient and allows you to estimate your loan payments before you apply.

Note for users who fill out the PDF form: The Department of Education strives to make all content accessible to everyone. While these documents do not currently meet the standards of Section 508 of the Rehabilitation Act of 1973, as amended, Federal Student Aid is working to create accessible versions. For immediate assistance on receiving a 508 compliant document, please send us a written request including: Title of document, date of request, and your email address to:

Federal Student Aid Information Center
P.O. Box 84
Washington, D.C. 20044

For borrowers who want to combine multiple federal student loans into one loan—use this form to apply for a Direct Consolidation Loan.

For borrowers with Direct Loans—this form allows you to choose either a Standard, Graduated, or Extended Repayment Plan to repay your loans.

This form is for borrowers who want to separate a joint consolidation loan (JCL)—for example, if you and your current or former spouse shared the loan but then wanted to separate the JCL through one of the methods below:

• Joint application for proportional separation of a joint consolidation loan. Both borrowers submit an application to separate the JCL into two new Direct Consolidation Loans (you will be responsible for one each).
• Non-proportional separation based on court documents. Both borrowers must include supporting documents with their application.
• Separate application for separation of a joint consolidation loan. If only one person submits an application, the remaining borrower will be responsible for the rest of the original JCL.

Please send this form to:
ED_Consolidation_Orig@aidvantage.studentaid.gov noting your desired final servicer, or to one of the addresses listed in the application.

Note for users who fill out the PDF form: The Department of Education strives to make all content accessible to everyone. While these documents do not currently meet the standards of Section 508 of the Rehabilitation Act of 1973, as amended, Federal Student Aid is working to create accessible versions. For immediate assistance on receiving a 508 compliant document, please send us a written request including: Title of document, date of request, and your email address to:

Federal Student Aid Information Center
P.O. Box 84
Washington, D.C. 20044

With loan deferment or forbearance, you won’t have to make a payment, but you usually will not be making progress toward forgiveness or paying back your loan. During deferment, interest accrues (adds up) on unsubsidized loans. During forbearance, interest accrues on both subsidized and unsubsidized loans. If you don’t pay interest that accrues during deferment or forbearance, it may be capitalized (added to your principal balance), and the amount you pay in the future will be higher.

For borrowers who can’t make payments due to financial hardship, illness, or other reasons—use this form to request a general forbearance.

For borrowers whose school misled them or violated state law in relation to the borrower’s loan or education—this form allows you to apply for borrower defense to repayment.

For borrowers who are enrolled at least half-time at an eligible school—you can use this form to request an in-school deferment.

For borrowers who are unemployed or can’t find full-time employment—use this form to request an unemployment deferment.

For borrowers who are cancer patients—you can use this form to request a deferment on your eligible loans and a forbearance on your ineligible loans for the duration of your cancer treatment and for 6 months afterward.

For borrowers who are performing military service or have completed their active-duty service—you can use this form to request a deferment during certain periods of active duty, right after active duty, or while preparing to go back to school after active duty.

For borrowers whose total student loan debt is 20 percent or more of their total monthly gross income—use this form to request a student loan debt burden forbearance. Keep in mind that additional conditions apply.