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<title>Consumer Advisory: Opportunity to cancel student loan debt ends soon</title>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">I know the topic of student loan debt cancellation has come up in this forum before … just passing along this good information from our friends at the Consumer Financial Protection
Bureau. Remember that this agency is a great source for consumer financial information in multiple languages, both
<a href="https://www.consumerfinance.gov/consumer-tools/">online</a> and in bulk order
<a href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">print</a>. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Consumer Financial Protection Bureau <donotreply@info.consumerfinance.gov>
<br>
<b>Sent:</b> Tuesday, March 12, 2024 1:33 PM<br>
<b>To:</b> WEIBLE Arlene * SLO <arlene.weible@state.or.us><br>
<b>Subject:</b> Consumer Advisory: Opportunity to cancel student loan debt ends soon<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal" align="center" style="text-align:center"><span style="font-size:1.0pt;font-family:"Helvetica",sans-serif;color:white">Many student loan borrowers have an opportunity to have their entire student loans cancelled or receive more credit towards
cancellation. <o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820">Hello,<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820">Many student loan borrowers have an opportunity to receive full student loan cancellation or more credit towards cancellation. The U.S. Department of Education <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDAsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vc3R1ZGVudGFpZC5nb3YvYW5ub3VuY2VtZW50cy1ldmVudHMvaWRyLWFjY291bnQtYWRqdXN0bWVudCIsImJ1bGxldGluX2lkIjoiMjAyNDAzMTIuOTE2OTgxMzEifQ.-AKR0tYDatg94houtb6qOE_ZYnCM0Ps3yjhe6KRyHw8/s/443063402/br/238698257810-l"><span style="color:#0071CD">will
conduct a one-time adjustment this summer </span></a>, but you may need to take steps to qualify.<o:p></o:p></span></p>
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<strong><span style="font-family:"Arial",sans-serif;color:#101820">The deadline to act is April 30, 2024</span></strong><span style="font-family:"Arial",sans-serif;color:#101820">. Here’s what you need to know; this information is also available as a
<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDEsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vZmlsZXMuY29uc3VtZXJmaW5hbmNlLmdvdi9mL2RvY3VtZW50cy9jZnBiX29wcG9ydHVuaXR5LWNhbmNlbC1zdHVkZW50LWxvYW4tZGVidF8yMDIzLTAzLnBkZiIsImJ1bGxldGluX2lkIjoiMjAyNDAzMTIuOTE2OTgxMzEifQ.irkzadxBSy2rhuyw9buXiXMq6oiGS06WZYskeqR0wpY/s/443063402/br/238698257810-l" target="_blank" title="printable flyer">
<span style="color:#0071CD">printable flyer</span></a>.<o:p></o:p></span></p>
<h2 style="mso-margin-top-alt:15.0pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in" id="">
<span style="font-size:15.0pt;font-family:"Arial",sans-serif;color:#101820">Some borrowers need to consolidate their loans<o:p></o:p></span></h2>
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<span style="font-family:"Arial",sans-serif;color:#101820">To get the most credit toward loan cancelation, borrowers with the types of federally managed loans listed below must consolidate them:<o:p></o:p></span></p>
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<li class="MsoNormal" style="color:#101820;mso-margin-top-alt:auto;margin-bottom:5.25pt;mso-list:l0 level1 lfo1">
<span style="font-family:"Arial",sans-serif">Commercially held Federal Family Education Loan (FFEL)<o:p></o:p></span></li><li class="MsoNormal" style="color:#101820;mso-margin-top-alt:auto;margin-bottom:5.25pt;mso-list:l0 level1 lfo1">
<span style="font-family:"Arial",sans-serif">Parent PLUS loans<o:p></o:p></span></li><li class="MsoNormal" style="color:#101820;mso-margin-top-alt:auto;margin-bottom:5.25pt;mso-list:l0 level1 lfo1">
<span style="font-family:"Arial",sans-serif">Perkins loans<o:p></o:p></span></li><li class="MsoNormal" style="color:#101820;mso-margin-top-alt:auto;margin-bottom:5.25pt;mso-list:l0 level1 lfo1">
<span style="font-family:"Arial",sans-serif">Health Education Assistance Loan (HEAL) Program loans<o:p></o:p></span></li></ul>
<p class="MsoNormal" style="mso-margin-top-alt:15.0pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in">
<span style="font-family:"Arial",sans-serif;color:#101820">After you take this step, your new Debt Consolidation Loan is eligible for the one-time adjustment and more of the payments you have made up to this point will be counted toward loan cancellation.<o:p></o:p></span></p>
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<h2 style="mso-margin-top-alt:15.0pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in" id="many-borrowers-could-qualify-to-have-student-loans-cancelled">
<span style="font-size:15.0pt;font-family:"Arial",sans-serif;color:#101820">Many borrowers could qualify to have student loans cancelled<o:p></o:p></span></h2>
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<span style="font-family:"Arial",sans-serif;color:#101820">The one-time adjustment is designed to count more of the payments you made, so they can be added to the payments required for cancellation. The Department of Education gives you credit towards loan
cancellation through this adjustment if your loan is federally managed. The adjustment counts your loan payments made after July 1, 1994, and deferments, economic hardship, and forbearances, in some situations.<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820">This means that through the adjustment you may be able to meet the cancellation requirements that is usually given to loans enrolled in an Income Driven Repayment program (IDR). Most federal student
loans already qualify for at least one Income Driven Repayment (IDR) plan. Through an IDR, loans can be canceled after 10, 20, or 25 years of eligible payments. If you are seeking Public Service Loan Forgiveness (PSLF), these extra periods of payment count
toward that program if you meet the other eligibility requirements. PSLF forgiveness can be received after 10 years of eligible payments.<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:15.0pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in">
<span style="font-family:"Arial",sans-serif;color:#101820">Even if you don’t qualify for cancellation right now, an IDR program could help you lower your monthly payment. Through an IDR program, your monthly payment is based on your income and family size,
not your loan balance. You can look into enrolling in an IDR program at any time.<o:p></o:p></span></p>
<h2 style="mso-margin-top-alt:15.0pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in" id="considerations-for-parent-plus-borrowers">
<span style="font-size:15.0pt;font-family:"Arial",sans-serif;color:#101820">Considerations for Parent PLUS borrowers<o:p></o:p></span></h2>
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<span style="font-family:"Arial",sans-serif;color:#101820">If you have a Parent PLUS loan managed by the Department of Education and at least 25 years – or 300 months – in repayment, your loan will be automatically cancelled through this one-time adjustment.<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820">If you do not have 25 years in repayment, you should consolidate your Parent PLUS loan before the April 30th deadline to maximize the benefit.<o:p></o:p></span></p>
<h2 style="mso-margin-top-alt:15.0pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in" id="">
<span style="font-size:15.0pt;font-family:"Arial",sans-serif;color:#101820">Scammers charge you for doing what you can do for free<o:p></o:p></span></h2>
<p class="MsoNormal" style="mso-margin-top-alt:15.0pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in">
<span style="font-family:"Arial",sans-serif;color:#101820">You don’t need to pay a fee to consolidate your loan, receive loan cancellation, or reduce your monthly payments. You can do it for free on the Department of Education’s<a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDIsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vc3R1ZGVudGFpZC5nb3YvbG9hbi1jb25zb2xpZGF0aW9uLyIsImJ1bGxldGluX2lkIjoiMjAyNDAzMTIuOTE2OTgxMzEifQ.tjBnUS7XP2mRtQ6TfBds_McZru1XXo-xrP0ZQmBBML0/s/443063402/br/238698257810-l"><span style="color:#0071CD"> website </span></a>.<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:15.0pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in">
<span style="font-family:"Arial",sans-serif;color:#101820">If you need help, contact your servicer, or use one of the resources listed below.<o:p></o:p></span></p>
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<h2 style="mso-margin-top-alt:15.0pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in" id="where-to-get-help">
<span style="font-size:15.0pt;font-family:"Arial",sans-serif;color:#101820">Where to get help<o:p></o:p></span></h2>
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<span style="font-family:"Arial",sans-serif;color:#101820">Get more information about the one-time adjustment<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDMsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vc3R1ZGVudGFpZC5nb3YvYW5ub3VuY2VtZW50cy1ldmVudHMvaWRyLWFjY291bnQtYWRqdXN0bWVudCIsImJ1bGxldGluX2lkIjoiMjAyNDAzMTIuOTE2OTgxMzEifQ.MIV9CviFI75t4OeTZsOm1cUP9279jgAVpnKszdi4wvs/s/443063402/br/238698257810-l"><span style="color:#0071CD">studentaid.gov/announcements-events/idr-account-adjustment </span></a><o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820">Learn about the benefits and disadvantages of consolidating a student loan<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDQsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vc3R1ZGVudGFpZC5nb3YvaGVscC1jZW50ZXIvYW5zd2Vycy9hcnRpY2xlL3Byb3MtYW5kLWNvbnMtb2YtY29uc29saWRhdGlvbiIsImJ1bGxldGluX2lkIjoiMjAyNDAzMTIuOTE2OTgxMzEifQ.ja2IeCdR9R9isbPy90Lbll6tooAglHhJ5quYQ0BQXX0/s/443063402/br/238698257810-l"><span style="color:#0071CD">studentaid.gov/help-center/answers/article/pros-and-cons-of-consolidation </span></a><o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820">Find more information about student loan cancellation<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDUsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vc3R1ZGVudGFpZC5nb3YvbWFuYWdlLWxvYW5zL2ZvcmdpdmVuZXNzLWNhbmNlbGxhdGlvbiIsImJ1bGxldGluX2lkIjoiMjAyNDAzMTIuOTE2OTgxMzEifQ.dlZcXDvoUFCdAz32FyKtKWQoFkivTuw8NgtvxuUtsK8/s/443063402/br/238698257810-l"><span style="color:#0071CD">studentaid.gov/manage-loans/forgiveness-cancellation </span></a><o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820">Learn how to enroll in an Income Driven Repayment Plan<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDYsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vd3d3LmNvbnN1bWVyZmluYW5jZS5nb3YvYXNrLWNmcGIvaG93LWNhbi1pLWVucm9sbC1pbi1pbmNvbWUtZHJpdmVuLXJlcGF5bWVudC1lbi0yMTM4LyIsImJ1bGxldGluX2lkIjoiMjAyNDAzMTIuOTE2OTgxMzEifQ.Xdg1WPTNKnHhjP9WOXmcwrkY-iHqFmX_GED_pPdJzJY/s/443063402/br/238698257810-l"><span style="color:#0071CD">consumerfinance.gov/ask-cfpb/how-can-i-enroll-in-income-driven-repayment-en-2138/</span></a><o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820">Get help filling out consolidation forms<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820">Call <a href="tel:1-800-4-433-3243"><span style="color:#0071CD">1-800-4-FED-AID</span></a> (433-3243)<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820">If you have a problem with your student loan, you can submit a complaint to the CFPB<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDcsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vd3d3LmNvbnN1bWVyZmluYW5jZS5nb3YvY29tcGxhaW50LyIsImJ1bGxldGluX2lkIjoiMjAyNDAzMTIuOTE2OTgxMzEifQ.fUTIF7vGX5v7RKd9eO83w4AqNyyWw8Rsdhh4nUqe36w/s/443063402/br/238698257810-l"><span style="color:#0071CD">consumerfinance.gov/complaint/</span></a><o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820">Thank you,<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif;color:#101820">Consumer Financial Protection Bureau <o:p></o:p></span></p>
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<h1 style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:13.5pt;font-family:"Arial",sans-serif;color:#101820">About the CFPB<o:p></o:p></span></h1>
<p class="gdp" style="mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#101820">The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products
are fair, transparent, and competitive. For more information, visit <a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDgsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHA6Ly93d3cuY29uc3VtZXJmaW5hbmNlLmdvdi8iLCJidWxsZXRpbl9pZCI6IjIwMjQwMzEyLjkxNjk4MTMxIn0.03jJ5SQy3Fv57-wxBj0F31bFcJ87Yd0U156WtQUWfjQ/s/443063402/br/238698257810-l" target="_blank">
www.consumerfinance.gov</a>.<o:p></o:p></span></p>
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<p style="margin:0in"><strong><span style="font-size:11.5pt;font-family:"Arial",sans-serif;color:#101820">Connect with us</span></strong><span style="font-size:11.5pt;font-family:"Arial",sans-serif;color:#101820"><o:p></o:p></span></p>
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<p class="MsoNormal"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDksInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHA6Ly93d3cuZmFjZWJvb2suY29tL0NGUEIiLCJidWxsZXRpbl9pZCI6IjIwMjQwMzEyLjkxNjk4MTMxIn0.hvXf-FERXIccOzPRAkhkXPpSDqMyYV43W-39P89wH-Y/s/443063402/br/238698257810-l" target="_blank"><span style="color:#0071CD;text-decoration:none"><img border="0" width="34" height="26" style="width:.3541in;height:.2708in" id="_x0000_i1031" src="https://content.govdelivery.com/attachments/fancy_images/USCFPB/2018/11/2243910/icons-01_original.png" alt="facebook"></span></a><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTAsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vd3d3LnR3aXR0ZXIuY29tL2NmcGIiLCJidWxsZXRpbl9pZCI6IjIwMjQwMzEyLjkxNjk4MTMxIn0.PLLDkJ7S5q6kWHa_M9L4VLXJ5rjordourV6EpWIDTGg/s/443063402/br/238698257810-l" target="_blank"><span style="color:#0071CD;text-decoration:none"><img border="0" width="37" height="26" style="width:.3854in;height:.2708in" id="_x0000_i1030" src="https://content.govdelivery.com/attachments/fancy_images/USCFPB/2018/11/2243915/icons-02_original.png" alt="twitter"></span></a><o:p></o:p></p>
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<h2 style="mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<strong><span style="font-size:11.5pt;font-family:"Arial",sans-serif;color:#101820">Resources</span></strong><span style="font-size:11.5pt;font-family:"Arial",sans-serif;color:#101820"><o:p></o:p></span></h2>
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<span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#101820"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTEsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vd3d3LmNvbnN1bWVyZmluYW5jZS5nb3YvYXNrLWNmcGIvP3V0bV9zb3VyY2U9bmV3c2xldHRlciZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1EaXJlY3RfQWJvdXRVcyIsImJ1bGxldGluX2lkIjoiMjAyNDAzMTIuOTE2OTgxMzEifQ.K7Ccun7gEEy8zablkb0MBmeQeqnqFK_EM5dzLK2vnHA/s/443063402/br/238698257810-l" target="_blank"><span style="color:#0071CD">Ask
CFPB</span></a><o:p></o:p></span></p>
<p class="gdp" style="mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in">
<span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#101820"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTIsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vd3d3LmNvbnN1bWVyZmluYW5jZS5nb3YvYWJvdXQtdXMvYmxvZy8_dXRtX3NvdXJjZT1uZXdzbGV0dGVyJnV0bV9tZWRpdW09ZW1haWwmdXRtX2NhbXBhaWduPURpcmVjdF9BYm91dFVzIiwiYnVsbGV0aW5faWQiOiIyMDI0MDMxMi45MTY5ODEzMSJ9.AFugrvEKox6OMs3AgE-mlErbaSJzHjtEkClgpk9qpLo/s/443063402/br/238698257810-l" target="_blank"><span style="color:#0071CD">Bureau
blog</span></a><o:p></o:p></span></p>
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<span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#101820"><a href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTMsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vd3d3LmNvbnN1bWVyZmluYW5jZS5nb3YvY29tcGxhaW50Lz91dG1fc291cmNlPW5ld3NsZXR0ZXImdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249RGlyZWN0X0Fib3V0VXMiLCJidWxsZXRpbl9pZCI6IjIwMjQwMzEyLjkxNjk4MTMxIn0.w9cPl0GSuUvrnEDX78t3ljAAqTG8W7gqFi-g3yMEqUU/s/443063402/br/238698257810-l" target="_blank"><span style="color:#0071CD">Submit
a complaint</span></a><o:p></o:p></span></p>
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Financial Protection Bureau</a> · 1700 G Street, N.W. · Washington, D.C. 20552<br>
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