A free and convenient way to make your student loan payments—on time, every month.

NOTE: If you need a paper form, please call us at 1-800-233-0557. Also, retain a copy of the completed form for your records.

Your monthly payments are based on your adjusted gross income and family size. If you file your taxes jointly, your spouse's income and eligible loan debt will be taken into consideration. You must re-apply annually for this plan.

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Your monthly payments are based on your monthly gross income and loan debt. You must re-apply annually for this plan.

For borrowers who are undergoing cancer treatment.

For borrowers who receive public assistance, serve in the Peace Corps, receive the deferment on a direct or Perkins loan, or meet specific income criteria.

This deferment may postpone payments for borrowers who:

• Received a bachelor's degree and are participating in a full-time graduate fellowship program

Is used for full-time or half-time students.

For borrowers who:

• Serve on active duty or perform qualifying National Guard duty during a war or other military operation or national emergency
• Were ordered to active duty status while enrolled in an eligible school within 6 months before they were called to active duty

Postpone payments on a PLUS loan when the dependent student for whose education the loan was disbursed is:

• Enrolled full-time at an eligible school
• Enrolled at least half-time at an eligible school

This deferment may postpone payments for borrowers who are participating in:

• A full-time rehabilitation training program

Postpone payments for:

• Borrowers with a condition that prevents them from working or going to school
• Borrowers caring for a disabled person

Postpone payments for borrowers who are seeking full-time employment through an employment agency or are receiving unemployment benefits.

For borrowers who intend to repay their student loans but show that repaying them now would constitute a hardship, such as financial difficulty.

• Medical or Dental Internship/Residency
• National Guard
• Department of Defense Loan Repayment Program

This is available to borrowers who are serving in Americorps.

This is granted as a temporary relief to borrowers who have adversely been affected by a disaster (flood, hurricane, tornado, wildfires).

Form not required.
A verbal or written request is needed with the following information:

• The type of natural disaster
• Whether the disaster affected your home or place of employment
• Date of the disaster
• Date you were personally affected by the disaster

View our Affected by National Disaster FAQ for more information.

For borrowers who have excessive student loan debt (payments equal to or more than 20% of their monthly gross income).

For borrowers who perform the qualifying teaching service for the Federal Teacher Loan Forgiveness Program.

Your school certified your loan even though you didn't have the ability to benefit from the education.

Your school certified your loan even though you had a physical condition, mental condition, or legal concern that would legally bar employment in your field of study.

Your school signed your name—without your authorization—on a loan application or promissory note.

Your school closed and you couldn't complete your program.

Your spouse or child was an eligible public servant or victim of the September 11, 2001, terrorist attacks.

There is currently no federal application for requesting this discharge.

Contact us to discuss your situation. You will need to present evidence in order to be considered for this discharge program.

You teach full-time at a low-income school and meet other qualifications.

If you have a medically determinable physical or mental impairment or are a veteran with a service-connected condition, you may qualify for a discharge based on a total and permanent disability.

For an application, visit the Nelnet Total and Permanent Disability Servicer website or call 1-888-303-7818.

You didn't receive a tuition refund from your school.

Designate a third party who can discuss your loan account on your behalf.

Depending on the lender, you may be eligible for co-signer release after meeting certain requirements.

Learn more about co-signer release.

If you feel we have credit reported you in error, you may file a credit dispute to us.

Read a summary of privacy rights for California residents which outlines the type of information PNC collects, and how and why they use that information.

If you have defaulted loans being serviced by PHEAA and you feel you have been credit reported in error, you may file a credit dispute.

If you have lost eligibility for financial aid due to exceeding your aggregate loan limit, you can agree to repay your excess loan amount by completing the Reaffirmation Agreement.

Servicemembers eligible for this benefit will have the interest rate capped at 6% for student loans incurred prior to their military service. Additionally, all costs and fees will be waived during their service. This benefit may be applied to federal loans no earlier than August 14, 2008.