Q: What info do I need to get started?
We will also ask for details about your income and some basic family information. This enables us to analyze your student loan portfolio comprehensively and fill out the form on your behalf.
Q: How many IDR Enrollments can I send in?
If you start with us and then switch to FSA, your application will get flagged for manual review and slow down the process. For the fastest experience, stick with Relief!
Q: How is my enrollment processed?
Due to the high volume of enrollments, we have seen that some servicers take up to 2–4 weeks to respond.
You can always reach out directly to your servicer to ask for an update or log into your servicer to check on the status of your application. Be sure to check the Messages Center as well.
Q: How long does it take to go into effect?
The new plan typically takes effect within two weeks of submission.
Setting up autopay with your servicer is recommended to ensure timely payments under your new plan.
Q: How can I check the status of my application?
Please log in to your servicer and view your messages for the most up-to-date information on your application.
Note that Relief cannot do this for.
Q: What about taxes?
Be aware that, under current law, forgiven loan amounts after 2025 are subject to taxation. Taxes on forgiven loans are due the year after forgiveness. We'll inform you about potential tax implications when you select a new plan.
Right now, the current waiving of tax bills is temporary and these benefits are due to expire after 2025.
Q: How do I stay up to date?
With the high volume of enrollments, we recommend you log into your servicer(s) once a week following enrollment to check for messages in your inbox.
Your servicer(s) may reach out to update you on your enrollment status or to ask for additional information to process your enrollment, etc.