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Student Loan Payments Restarting

When are student loan payments restarting?

Federal student loan payments will resume in October 2023. You will get your bill, with your payment amount and due date, at least 21 days before your due date.

I thought President Biden canceled student loans. Why are payments restarting?

President Biden announced the cancellation of $10,000 of debt ($20,000 for anyone who received a Pell Grant) for certain borrowers. Several states sued to block this cancellation and the Supreme Court ruled that the President could not cancel student loan debt that way. The U.S. Department of Education has begun a new process to try to cancel student loans, but that process will not stop student loan payments from restarting.

Are there other ways to get my student loans canceled?

Yes, there are several ways to get your student loans canceled:

  • Public Service Loan Forgiveness (PSLF). If you work full-time for a government or not-for-profit organization, you may be eligible for loan forgiveness. The PSLF Program forgives the remaining balance on your Direct Loans after you have made the equivalent of 120 qualifying monthly payments under an accepted repayment plan. The Department of Education has also adjusted accounts to credit borrowers for months when payments were not made, so you may be closer to cancellation than you think. Learn more about PSLF and determine if you qualify.
  • Other forgiveness programs. There are cancellation programs for teachers, people with disabilities, people on an income-driven repayment program, and others. Learn more about other cancellation options.

I’m not eligible for any type of cancellation. What do I do next?

There are several steps you should take to prepare for repayment.

  • Update your contact information
  • explore affordable repayment plans
  • if you are on an income-driven repayment plan, consider re-certifying early
  • enroll or reenroll in auto-pay
  • find out what your monthly payment will be
  • make your payment

For more details on these steps, visit the Department of Education.

What do I do if I can’t afford my payments when they restart?

There are multiple options for people who cannot afford their payments when they restart. You may be able to:

  • Apply for an income-driven repayment plan
  • recertify or change your income-driven payment plan
  • get temporary relief

For more details on how to pursue these options, visit the Department of Education.

Where do I send my form? (Current or Former City of Milwaukee employees)

Via email to:

[email protected]

Via mail to:

Department of Employee Relations
Attn: Certification Team
200 E Wells Street Room 706
Milwaukee, WI 53202

Please allow 3 business days for processing.

  • If you are sending a manual PSLF form via email please indicate in the body of your email the manner in which to return the form.
  • Any questions please contact the Department of Employee Relations at 414-286-3751
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