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Lock in Lower Payment Before the End of the CARES Act

Student loan payments have been paused since the 2020 CARES Act began, but the Ed. Dept. Has recently announced that repayment will begin at the end of August, 2022. To ease the pain of the payment restart, additional programs are being offered to help reduce monthly payments, give defaulted or delinquent borrowers a chance to start fresh and offer adjustments to resolve the previous mismanagement of loan servicers.


Over the next few days, we will provide you with vital deadlines and updates regarding additional benefits for which you may be eligible.



While the final payment freeze is due to expire August 31, 2022, income recertification dates are being constantly updated.

It is imperative that you confirm that yours has been extended to avoid mistakenly being kicked out of your IDR (Income Driven Repayment) program and placed into a Standard Payment Plan.


If the pandemic or recent economic issues have had a negative influence on your income, you may seek to have your IDR monthly payment recalculated immediately, so that when the payment halt expires and you resume repayment, your new monthly payment will be adjusted to reflect your current income reduction.


Call (800) 438-2869 today to see if you can lock in your lower payment now!

One-Time Payment Count Revision for Eligible IDR Borrowers - A One-time adjustment of payment credits will occur during the fall of 2022. This may result in you receiving additional payment credits towards discharge of your loans. If you have questions regarding this benefit, an Edapt USA Account Manager can provide you with more information.

Loan Forgiveness Statistics - The statistics of borrowers who have historically received forgiveness on their loans are less than 2%. The Department of Education and governing body are attempting to resolve this dilemma. We do not want you to become part of these statistics and we know how to help you avoid the pitfalls that unfortunately many borrowers have fallen victim to. Education Data Forgiveness Statistics

Over 500 groups are complaining that Biden is only considering forgiving $10,000 per borrower. Many loan holders will continue to struggle to fit their new payment into a tight monthly budget.

Get Expert Advice About Your Current Program, Servicer and Upcoming Payments

Contact Edapt USA Student Services today. We make it easy for you to get the assistance you need.

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