Student Loans

Student Loans

Student Debt Relief and Loan Forgiveness 

The federal student loan payment pause ended because of legislation passed by Congress. For most borrowers, the first payment after the payment pause ended was due in October 2023. See more information on how to resume payments on your student loan. Borrowers can lower their payments, even to $0, by enrolling in the new SAVE Plan

If you are a federal student loan holder in default, Fresh Start can help. Run by the U.S. Department of Education (ED), Fresh Start allows borrowers to get out of default and to keep automatic benefits, such as access to federal student aid, long-term. The Fresh Start opportunity ends in September. Borrowers must apply for a Fresh Start by September 30, 2024 to be eligible.

If you have ever worked for a government or 501c3 organization, you may be eligible for federal loan forgiveness programs. Depending on your profession, you may also qualify for state repayment assistance programs. Please review Important Notice for Employees with Student Loan Debt to see if you may be eligible for programs and how to apply.

Were you a Berkeley College student prior to January 1, 2019 and owed tuition or fees to Berkeley? Learn about DCWP's settlement with Berkeley including $20 million in debt relief.

How to Avoid Student Loan Debt Distress

Read tips before enrolling in a school or training program

Read tips before taking out student loans for yourself or a child

Read tips once you have student loans

Advocacy Work to Help Student Loan Borrowers

Read Research Reports

Read Testimony

Read In the News

Additional Help

Make a plan to manage your debt. Get free in-person help

Learn about other resources for student loans