One-time Federal Student Loan Debt Relief

The Supreme Court issued a decision blocking the U.S. Dept. of Education from moving forward with the one-time student debt relief plan.

Under the court’s ruling, the U.S. Department of Education has been prohibited from implementing the Biden-Harris Administration’s one-time debt relief program.



1.   How should I prepare for student loan payments to restart?

Make sure you know which loan servicer is yours.

Update your contact information in your profile on your loan servicer’s website and in your account.

Consider applying for an income-driven repayment (IDR) plan. An IDR plan can make your payments more affordable, depending on your income and family size. This summer, we will begin implementing the SAVE plan, which is our most affordable repayment plan ever. More information about SAVE can be found below. Borrowers signed up for the current REPAYE plan will be automatically enrolled in SAVE.

Review your auto-debit enrollment or sign up for the first time to automatically deduct your monthly payment from your bank account. To do so, log in to your loan servicer’s website or contact your loan servicer directly. If you were enrolled in auto-debit before the payment pause and you would like to resume when payments resume, you need to confirm your auto-pay enrollment with your student loan servicer if you haven’t already done so.


2.   When will my payment be due?

Your first payment will be due in October 2023. You’ll get your bill in September or October—at least 21 days before your payment due date—with your payment amount and due date.

3.   What’s my monthly payment amount going to be?

Your bill arriving in September or October will contain your payment amount.

You’ll be able to visit your account on your servicer’s website to see your payment amount once your disclosure or bill has been sent. Make sure you know which loan servicer is yours.

You can also get an estimate of your payment amount and compare repayment plans by using Loan Simulator.

Beware of Scams

You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You never have to pay for help with your federal student aid. Make sure you work only with the U.S. Department of Education, the office of Federal Student Aid, and our loan servicers, and never reveal your personal information or account password to anyone.

Emails to borrowers come from,, and You can report scam attempts to the Federal Trade Commission by calling 1-877-382-4357 or by visiting