Loan Rehabilitation Program Documents:
Financial Information Statement: This form is used to determine a reasonable and affordable Loan Rehabilitation payment. Any supporting documents required with the form.
References Template: This form is to document the contact references for your Loan Rehabilitation Programs
Loan Consolidation & Standard Repayment Documents:
Consolidation Application: This form is used to apply for a consolidation of your Federal loans. Standard Repayment Form. This is the form to use if you were qualified for the three consecutive monthly payments for your repayment options after consolidation.
Repayment Plan Request Form for standard consolidations.
Income Driven Repayment Plan Form. This is the form to use to select your repayment plan after consolidation if you were qualified for income driven payments.
Third Party Authorization: This form is to authorize another party to receive and discuss your personal information regarding your account.
Death Certificate: If we have attempted to contact an individual that is deceased and owes a debt with The Department, please send a copy of their death certificate to the address below.
Incarceration: If we have attempted to contact an individual that is incarcerated and owes a debt with The Department, please send us written correspondence our address.
Total and Permanent Disability Discharge Application: If you are totally and permanently disabled, you may qualify to have your loans discharged. You can also contact Nelnet at (888)303-7818 or visit https://www.disabilitydischarge.com for more information. Or More here.
All paperwork can be sent by mail, fax or email to:
P.O. Box 877
North Andover, MA 01845
Federal Loan Rehabilitation is a one-time opportunity that may be available for borrowers that have not rehabilitated their loan(s) on or after August 14, 2008 that re-establishes a payment history making income-driven payments that will delete the default notation after successful completion of the program.
Advantages of rehabilitation include:
If you are a Direct Loan of FFEL Loan Borrower:
If you are a Perkins loan borrower:
Rehabilitation payments are based on your income, so you may be required to provide a copy of your most recent tax return (within the last two years), a completed signed Financial Information Statement, copies of paystubs for yourself and your spouse, if applicable, as well as documentation of regular monthly expenses, if needed.
You can download a transcript of your most recent tax return at https://www.irs.gov/individuals/get-transcript. See ‘What paperwork do I need?’ for other forms. Please contact FHC at (877) 677-9126 to go over your options.
For an estimate of your repayment amount after successful completion of rehabilitation, please see more.