Applying for Biden’s student loan forgiveness? Here’s what to know.

The president said more than 8 million people applied during a beta launch of the application website

On Oct. 17, President Biden launched for people to apply for student debt relief. (Video: The Washington Post)

After weeks of waiting, student loan borrowers can now apply for President Biden’s program to receive up to $20,000 in debt cancellation.

Biden officially launched the application Monday after the Education Department opened the form over the weekend as part of a beta test, hoping to find and remedy any glitches on the site. More than 12 million people have applied to date, the president has said. He estimates that the White House has received some 10,000 letters from borrowers praising one of his signature economic policies.

“My commitment was if elected president, I was going to make government work to deliver for the people. This rollout keeps that commitment,” Biden said at a press event. “Just as I am keeping my commitment to relieve student debt as borrowers recover from this economic crisis caused by the once-in-a-lifetime pandemic.”

How some borrowers will qualify for automatic student loan forgiveness

Biden’s plan is to cancel as much as $10,000 in federal student loan debt for people earning less than $125,000 a year, or less than $250,000 for married couples. Those who received Pell Grants, federal aid for lower-income students, could see up to $20,000 forgiven.

The policy has ushered in a series of lawsuits from conservative groups and Republican-led states alleging the president overstepped his authority with mass cancellation. Biden rigorously defended the debt relief policy on Monday. “Republican members of Congress, Republican governors are trying to do everything they can to deny this relief even to their own constituents,” Biden said. “As soon as I announced my student debt plan, they started attacking it. Their outrage is wrong, and it is hypocritical.”

Here is what you need to know about the application process.

Student loan forgiveness

The latest: At a hearing, conservative Supreme Court justices seemed highly skeptical of President Biden’s debt relief plan. To date, Biden’s student loan forgiveness plan is on ice after a Texas judge blocked the student debt relief plan.

Calculate your eligibility: We tackled everything you need to know about the debt relief plan. Use this calculator to see how much of your student loan debt can be forgiven. Here’s what to expect in the student loan forgiveness application.

The opponents: What is happening to student loan forgiveness? A federal appeals court temporarily halted the student debt relief program. Six Republican-led states are also suing to overturn President Biden’s student loan forgiveness plan. An Indiana lawsuit was the first significant legal action seeking to invalidate Biden’s policy.