Erase Your Student Debt
Top four resources to assist you in easing your student debt

relieve student debt, cutting the ball and chain

Key deadlines coming up for student borrowers

Our union toolkit provides the top resources to assist you in easing& your student debt. Join CFT members who have eliminated their student debt!

On August 24, the Biden administration announced additional loan cancellation of $10,000 for most borrowers and $20,000 for recipients of federal Pell Grants. Biden also extended the deadline for the restart of loan payments currently on pandemic pause (to December 31, 2022). Learn more about Biden’s debt cancellation.


  • October 31, 2022 — Expanded eligibility for debt relief under the Public Service Loan Forgiveness program expires.
  • December 31, 2022 Federal student loan payments restart after being on pandemic pause. (Extended from September 1, 2022)



1. AFT Student Debt Clinics – Deadline Blitz!!

AFT Student Debt Clinics

Need help sorting out your situation? Get a head start by joining an AFT Virtual Student Debt Clinic. AFT is hosting a clinic blitz in the final weeks before the October 31 deadline. Clinic offerings are listed below in Pacific time. Also download the AFT flyer and share!

  • Weekdays — September 28, 29, 30 @ 4 pm 
  • Weekend — October 1, 2 @ 8 am and 1 pm
  • Weekdays — October 3, 4, 6, 13, 20, 27 @ 4 pm 




2. Forgive My Student Debt

Forgive My Debt steps 1-4

The AFT’s successful lawsuit in 2021 resulted in much-needed changes to the Public Service Loan Forgiveness program. The victory has given hundreds of thousands of public sector workers workers with federal student loan debt access to promised loan forgiveness.

The AFT-affiliated website Forgive My Student Debt walks borrowers through the actions they need to take—depending on individual circumstances—to benefit from the waiver.




3. Summer

AFT Summer Program

Not the season, but the AFT benefit program that helps you consolidate student debt

Summer is an online resource started by student loan borrowers who wanted to help others avoid bad information and bad actors in the student loan market. The AFT trusts Summer to help union members navigate the student loan repayment landscape. You can also talk through options with Summer’s borrower success team to better understand your options. Using Summer, AFT members who enroll in this free member benefit can:

  • Complete the PSLF application process;
  • Enroll in income-driven repayment plans;
  • Find other loan forgiveness programs and get help in applying for them;




4. California Department of Financial Protection & Innovation

DFPI website

Student loan payments will restart for almost 4 million Californians at the start of 2023. These resources compiled by the Department of Financial Protection and Innovation help educate and empower California student loan borrowers about the programs available and deadlines.

The CFT works in collaboration with the department. Sign up for their student borrower newsletter.