Mandatory forbearance request writable pdf form 2025

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Your federal student loans may be placed in an administrative forbearance if an administrative or technical issue is impacting your ability to pay your bill. Youll be off the hook for student loan payments and interest accrual until the problem is resolved.
A forbearance can be a mandatory forbearance, meaning that your loan holder must grant the forbearance if you qualify for the forbearance and supply all supporting documentation. A forbearance can also be a discretionary forbearance, meaning that your loan holder may grant the forbearance, but is not required to do so.
There are two main types: General forbearance: Financial hardship or other extenuating circumstances (subject to approval) Mandatory forbearance: Serving in the National Guard, AmeriCorps, medical residency and more.
Find links to the forms under the forbearance types listed below. There are two main categories of forbearance: general and mandatory.
Forbearance works best for homeowners facing a temporary or solvable hardship. If youre generally struggling to make ends meet, forbearance may not be the best solution for you a loan modification may be more helpful. While youre in forbearance, your principal will continue to accrue interest.
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If your student loans are in forbearance, the government cannot take your tax refund. Tax refund offsets only happen when federal student loans are in default, which occurs after 270 days of missed payments. Forbearance keeps your loans in good standing, so your refund is safe.

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