If your federal student loan(s) is serviced by Higher Education Servicing Corporation (HESC), you may use the forms found on this page. To apply for a deferment, forbearance, forgiveness or a different repayment option, please select the appropriate form listed below, complete the form in its entirety and mail or fax it to the address/number found on the form. Note: deferment and forbearance may not eliminate any prior reported delinquency on your credit history.
If you have a private loan serviced by HESC, please log into your online account to access forms specific to your loan program. You may also contact us to request a form be emailed or mailed to you.
Deferment request for the qualified borrower who has been granted this deferment by the William D. Ford Direct Loan Program, who is receiving federal or state public assistance, who is serving as a Peace Corps volunteer, or who meets specific low income qualifications. (Available to a borrower who has an outstanding balance and all loan(s) were made on or after July 1, 1993.)Download Spanish
The Military Service Deferment is for borrowers serving on active duty military service, or National Guard duty, during a war or other military operation, or a national emergency and for an additional 180 days following the completion of the qualifying military service.Download
A borrower may qualify for the Cancer Treatment deferment of their FFELP loans which entered repayment on or before September 28, 2018. Loans which were made before September 28, 2018, but which were not in repayment on that date because the borrower was in an in-grace or in-school status are not eligible for the deferment and will not become eligible when they do enter repayment. In addition, a deferment cannot be granted for a period of treatment before September 28, 2018.
For the borrower to receive a Cancer Treatment deferment, a doctor of medicine or osteopathy who is legally authorized to practice medicine must certify that the borrower is or was receiving cancer treatment in the physician’s care, and must provide the dates of that treatment. The borrower may only be approved for a deferment for up to one year of treatment (followed by a six-month post-treatment deferment period) based on the physician’s initial certification. If a borrower’s treatment period lasts longer than 12 months, the physician may re-certify that the borrower is continuing to receive cancer treatment at the conclusion of the one-year period by completing a new Cancer Treatment Deferment request form.Download
This Mandatory Forbearance Request Form may temporarily postpone your payments or allow you to make smaller payments than previously scheduled if the monthly payments due on all your Title IV loans are equal to or greater than 20% of your total monthly income. The forbearance may be granted for up to 12 months at a time. Maximum eligibility for this forbearance is 3 years. Before you utilize this request form, please contact our Customer Service Department toll-free at 1-800-366-4372. Your student loan holder needs to be aware of your situation in order to provide you with the appropriate information and instructions.Download Spanish
This Mandatory Forbearance Request Form may temporarily postpone your payments or allow you to make smaller payments than previously scheduled if you are engaged in a medical or dental Internship/Residency Program, are a member of the National Guard, or are performing a type of service that qualifies you for partial repayment of your loan(s) under the Department of Defense Loan Repayment Program. The forbearance may be granted for up to 12 months at a time. Before you utilize this request form, please contact our Customer Service Department toll-free at 1-800-366-4372.Download Spanish
Under the National and Community Service Trust Act of 1993, borrowers serving in approved national service positions in AmeriCorps qualify for mandatory forbearance during service, which postpones the member’s obligation to make loan payments. AmeriCorps members will need to complete one form for each service period. After completing the Member section of the form, give the form to your program director or state office official who will certify and forward the request to your lending institution or loan servicer. You must complete one form for each loan holder.
By clicking the link below, you will be leaving our website and entering AmeriCorps’ site where you will be able to complete their Forbearance Request form.Link to AmeriCorps
Use this form to request a forbearance of your loan payments in annual increments during each of your qualifying years of teaching service . To qualify for this forbearance, your loan holder will need to determine that you will qualify for forgiveness of your entire loan balance, plus interest, that will be outstanding at the end of your five years of qualifying teaching service. (Available to new borrowers after October 1, 1998.)Download
Forget the hassle of mailing your student loan payment each month! Sign up today to have your monthly payment automatically deducted from your bank account with our Automatic Debit Payment Plan.Download
We are committed to ensuring your privacy and will not disclose any information pertaining to your loan records to anyone but you, your co-signer or endorser (if applicable), the references you provided, and those we are required to share information with such as your school(s), lender(s), guarantor(s), U.S. Department of Education and each of their agents. To authorize someone other than those listed above to discuss your specific loan information with us, you must complete and return the Information Release form.Download
Forgiveness and discharge forms:
The Teacher Loan Forgiveness Program is intended to encourage individuals to enter into and continue in the teaching profession. Use this form to apply for your applicable forgiveness amount after you have completed your five years of qualifying teaching service. (Available to new borrowers after October 1, 1998.)Download
If a borrower is unable to engage in any substantial gainful activity by reason of a medically determinable physical or mental impairment that can be expected to result in death, has lasted for a continuous period of not less than 60 months, or can be expected to last for a continuous period of not less than 60 months, the borrower may apply for a total and permanent disability (TPD) discharge of his or her Federal Family Education Loans (FFEL), Perkins Loans, William D. Ford Federal Direct Loans (Direct Loans), or Teacher Education Assistance for College and Higher Education (TEACH) Grant service obligation. If you have questions about Total and Permanent Disability Discharge or Veterans Disability Discharge, contact the U.S.Department of Education by phone at 888-303-7818, fax at 303-696-5250 or email at firstname.lastname@example.org. You can also visit their website for more information.