Where you stand
The same rule can mean different things depending on when you borrowed and what plan you’re on. Start with the line that describes you.
- I was on the SAVE planYou enrolled in SAVE (also called REPAYE) and have been in the SAVE forbearance.
- I borrowed on or after July 1, 2026At least one of your Direct Loans, or a Direct Consolidation Loan, was first paid out on or after July 1, 2026.
- I’m working toward PSLFYou work full time for a government or qualifying nonprofit employer and want your Direct Loans forgiven after 120 qualifying payments.
- I have parent PLUS loansYou borrowed Direct or FFEL PLUS loans for a dependent child’s education.
- My loan is in defaultYou haven’t made a payment for at least 270 days, and your loan has moved to the Default Resolution Group (or a guaranty agency for FFEL loans).
- I’m about to start repayingYou’ve left school or dropped below half time and your grace period is ending.
- My loans are all from before July 1, 2026Every Direct Loan you have was first paid out before July 1, 2026, and you haven’t borrowed since.