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                <h1 class="title" id="page-title">Natural Disasters: Information for Affected Individuals</h1>
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                        <div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even"><h1>If you are a student or a federal student loan borrower who has been impacted by a federally declared natural disaster, we can help answer your questions.</h1>
<p>We are committed to assisting students enrolled in college or career school and federal student loan borrowers who have been impacted by federally declared natural disasters. We strongly encourage impacted students to contact the <cite title="The office at a college or career school that is responsible for preparing and communicating information on financial aid. This office helps students apply for and receive student loans, grants, scholarships and other types of financial aid.">financial aid office</cite> at their school and borrowers to contact their <cite title="The organization that made the loan initially; the lender could be the borrower's school; a bank, credit union, or other lending institution; or the U.S. Department of Education.">lender</cite> or <cite title="A company that collects payments, responds to customer service inquiries, and performs other administrative tasks associated with maintaining a federal student loan on behalf of a lender. If you're unsure of who your federal student loan servicer is, you can look it up in "My Federal Student Aid." [1][1] /node/77">loan servicer</cite>.</p>
<p>Below, we have provided answers to frequently asked questions for</p>
<ul><li><a href="#current-students">current students</a> and</li>
<li><a href="#borrowers">borrowers</a>.</li>
</ul><p>You also can <a href="#additional-resources">see additional resources</a>. </p>
<hr /><h2><a id="current-students" name="current-students"></a>For Current Students</h2>
<h3>What if I need to transfer to a different school?</h3>
<p>If you wish to transfer to a different school, you should contact the financial aid office at your new school as soon as possible so that the new school can request your federal financial aid records. This early contact will also allow the new school to provide you with information needed to support a request for financial aid.</p>
<h3>What are my options if my aid eligibility was impacted by a natural disaster but my application does not reflect this change?</h3>
<p>The financial aid office at your college or career school is authorized to use professional judgment in order to more accurately reflect the <cite title="The difference between the cost of attendance (COA) at a school and your Expected Family Contribution (EFC). While COA varies from school to school, your EFC does not change based on the school you attend. ">financial need</cite> of students and families affected by a disaster. If you feel that your eligibility for aid was impacted by the disaster, you should contact the financial aid office at your school to ask for a reassessment of eligibility.</p>
<h3>What if documentation that I need to apply for financial aid has been damaged or lost by a natural disaster?</h3>
<p>It is possible that you may be asked to provide documentation to verify information from your financial aid application. If the documentation being requested has been lost or destroyed by the disaster, you should immediately inform the school that asked for the records. That school may make a determination not to require those documents.</p>
<h3>Do I need to claim on my FAFSA<sup>®</sup> form any disaster-related support I received from either the state or the U.S. Department of Education?</h3>
<p>No.  If you received any special aid from the federal government or from your state, for the purpose of providing financial relief, it should not be counted as income, other resources, or other financial assistance when determining your eligibility for <cite title="Financial aid from the federal government to help you pay for education expenses at an eligible college or career school. Grants, loans and work-study are types of federal student aid. You must complete the FAFSA form to apply for this aid.">federal student aid</cite>.</p>
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<hr /><h2><a id="borrowers" name="borrowers"></a>For Borrowers</h2>
<p>If you were impacted by a natural disaster and are having trouble making payments on your federal student loans or have other questions about your loans, here’s some information and a Q&amp;A designed for you: </p>
<ul><li>The federal loan servicing team checks the Federal Emergency Management Agency website at least once each business day to identify all impacted areas connected to the disaster declaration.</li>
<li>After a natural disaster, the loan servicing team quickly reaches out to borrowers that live in the impacted areas to notify them of the options available to them; loan servicers also post information on their websites regarding options.</li>
</ul><h3>I was impacted by a recent natural disaster. As a result, I am having trouble making payments on my federal student loan. What are my options? </h3>
<p>If you are a borrower in repayment who was affected by a natural disaster in the area where you live or work, you qualify for <cite title="A period during which your monthly loan payments are temporarily suspended or reduced. Your lender may grant you a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships. During forbearance, principal payments are postponed but interest continues to accrue. Unpaid interest that accrues during the forbearance will be added to the principal balance (capitalized) of your loan(s), increasing the total amount you owe.">forbearance</cite> of loan repayment for a period of up to 90 days upon your request to your servicer. During forbearance, payments are temporarily postponed or reduced. Your servicer will document your loan account with the reason and the length of the forbearance.  </p>
<p>Please note that <cite title="A loan expense charged for the use of borrowed money. Interest is paid by a borrower to a lender. The expense is calculated as a percentage of the unpaid principal amount of the loan.">interest</cite> still accrues (accumulates) during the forbearance period, but the accrued interest will not be capitalized (added to the <cite title="The total sum of money borrowed plus any interest that has been capitalized.">principal</cite> loan balance) when the forbearance ends. You should contact your loan servicer to request this forbearance. </p>
<p>Once the initial forbearance period related to the disaster is over, you may request additional forbearance time for reasonable cause. Your servicer is permitted to <cite title="Financial aid, often based on financial need, that does not need to be repaid (unless, for example, you withdraw from school and owe a refund).">grant</cite> additional forbearance time, in 30-day increments, but your total period of forbearance cannot exceed a maximum of 12 monthly billing cycles from the date of the disaster.</p>
<h3>I’m behind on my federal student loan payments. Can I get a forbearance?</h3>
<p>If a borrower is <cite title="A loan is delinquent when loan payments are not received by the due dates. A loan remains delinquent until you make up the missed payment(s) or receive a deferment or forbearance that covers the period when you were delinquent. If you are having trouble making your monthly loan payments, you should contact your loan servicer to discuss options to keep the loan in good standing.">delinquent</cite>, the servicers have been instructed to apply a forbearance for 30 days into the future as well as cover any past delinquency. However, at the end of the forbearance (or consecutive periods of forbearance), any interest for the period of delinquency would capitalize.</p>
<h3>I need to provide documentation to my loan servicer, and the due date for the documentation is coming up soon. Can I get an extension of the deadline? </h3>
<p>For purposes of certain documentation that a borrower must submit within a specified timeframe (for example, annual documentation of income for the income-driven repayment plans), the federal loan servicers have been instructed to extend the deadline for providing the documentation by an additional 15 days for borrowers who live in an impacted area. Documentation submitted within that revised deadline would be considered to be on time. </p>
<p>In addition, TEACH Grant certification documentation deadlines and timelines for conversion of TEACH Grants to loans will be extended for 15 days.</p>
<h3>I’m in the Public Service Loan <cite title="Forgiveness, cancellation, and discharge all refer to the cancellation of a borrower's obligation to repay all or a portion of the remaining principal and interest owed on a student loan, but are generally used in different contexts."Loan cancellation" and "loan forgiveness" generally refer to the cancellation of a borrower's obligation to repay some or all of the remaining amount owed on a loan if the borrower works full-time for a specified period of time in certain occupations or for certain types of employers. "Loan cancellation" is usually used in reference to the various Perkins Loan Program cancellation benefits. "Loan forgiveness" is usually used in reference to the Direct Loan and FFEL Teacher Loan Forgiveness Program [1] or the Direct Loan Public Service Loan Forgiveness Program [2]. Borrowers are not required to pay income tax on loan amounts that are canceled or forgiven based on qualifying employment. "Loan discharge" generally refers to the cancellation of a borrower's obligation to repay some or all of the remaining amount owed on a loan due to circumstances such as school closure, a school's false certification of a borrower's eligibility to receive a loan, a school's failure to pay a required loan refund, or the borrower's death, total and permanent disability, or bankruptcy. In some cases, a discharge may also entitle a borrower to receive a refund of payments previously made on a loan. Depending on the type of discharge, the amount of a loan that is discharged may be treated as taxable income.[1] node/90[2] node/91">Forgiveness</cite> (PSLF) Program and am concerned that I’m going to miss my payment due date because I was affected by a recent natural disaster. Can I get an extension of my due date?</h3>
<p>If you make a PSLF payment more than 15 days after the payment due date, but within 20 days of the due date, your servicer will count that payment as an on-time payment for purposes of the PSLF program if the payment is made during the 30-day period following the date on which a federally declared major disaster was declared. </p>
<p>Note: You will not receive credit for a PSLF qualifying payment if you request and receive a disaster forbearance (or any other <cite title="A temporary postponement of payment on a loan that is allowed under certain conditions and during which interest generally does not accrue on Direct Subsidized Loans, the subsidized portion of Direct Consolidation Loans, Subsidized Federal Stafford Loans, the subsidized portion of FFEL Consolidation Loans, and Federal Perkins Loans. All other federal student loans that are deferred will continue to accrue interest. Any unpaid interest that accrued during the deferment period may be added to the principal balance (capitalized) of the loan(s).">deferment</cite> or forbearance) during the 30-day period or make a payment more than 20 days after the due date.</p>
<h3>My federal student loan is in <cite title="Failure to repay a loan according to the terms agreed to in the promissory note. For most federal student loans, you will default if you have not made a payment in more than 270 days. If you default on a federal student loan, you lose eligibility to receive federal student aid and you may experience serious legal consequences.">default</cite>. What are my options?</h3>
<p>Upon request from a borrower, borrower’s relative, or any other responsible party, we will suspend collections of a defaulted loan for 90 days. The suspension will include suspension of involuntary payments such as <a href="/sa/repay-loans/default/collections#wage-garnishment">administrative wage garnishment</a> and <a href="/sa/repay-loans/default/collections#treasury-offset">Treasury offset</a>. </p>
<p>If you are making payments toward rehabilitation of a defaulted loan, you will be allowed to stop making payments for those 90 days. At the end of the 90 days, you will either be able to</p>
<ul><li>pick up where you left off (e.g., if you had made six payments toward rehabilitation before the hurricane, you could make three more to complete the rehabilitation process) OR</li>
<li>make up your missed payments in one lump sum in order to rehabilitate by your original planned date.</li>
</ul><h3>I have a federal student loan and I was not able to complete my school year due to a natural disaster. What are my options?</h3>
<p>If you are a federal student loan borrower who was not able to complete your school year as a result of the disaster, you will be provided with an extended “in-school” status until you officially withdraw or re-enroll in the next regular enrollment period, whichever is earlier. This action will prevent you from entering repayment status on your loans. Contact your school to request this action.</p>
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<hr /><h2><a id="additional-resources" name="additional-resources"></a>Additional Resources</h2>
<p>Here are some additional resources that may be helpful to you.</p>
<p><strong>Resources for Those Affected by Natural Disasters:</strong></p>
<ul><li><a href="https://ifap.ed.gov/ifap/disaster.jsp" target="_blank" rel="noreferrer noopener">Disaster Information for Schools</a></li>
<li><a href="https://www.fema.gov" target="_blank" rel="noreferrer noopener">Federal Emergency Management Agency (FEMA)</a></li>
<li><a href="https://www.disasterassistance.gov" target="_blank" rel="noreferrer noopener">DisasterAssistance.gov</a></li>
<li><a href="http://www.redcross.org" target="_blank" rel="noreferrer noopener">American Red Cross</a></li>
<li><a href="http://www.nhc.noaa.gov" target="_blank" rel="noreferrer noopener">The National Hurricane Center</a></li>
</ul><p>If you have additional questions, please <a href="/sa/contact" title="Contact Us">contact us</a>.</p>
<p><a id="harvey" name="harvey"></a><strong>Resources for Those Affected by Hurricane Harvey:</strong></p>
<ul><li><a href="#current-students">Information for college or career school students</a></li>
<li><a href="#borrowers">Information for federal student loan borrowers</a></li>
<li><a href="https://www.fema.gov/hurricane-harvey" target="_blank" rel="noreferrer noopener">Federal Emergency Management Agency (FEMA) Information on Hurricane Harvey</a></li>
<li><a href="https://www.usa.gov/hurricane-harvey" target="_blank" rel="noreferrer noopener">USA.gov Information on Hurricane Harvey</a></li>
<li><a href="https://www.disasterassistance.gov/" target="_blank" rel="noreferrer noopener">DisasterAssistance.gov</a></li>
<li><a href="http://www.redcross.org" target="_blank" rel="noreferrer noopener">American Red Cross</a></li>
<li><a href="http://www.nhc.noaa.gov" target="_blank" rel="noreferrer noopener">The National Hurricane Center</a></li>
</ul><p>If you have additional questions, please <a href="/sa/contact" title="Contact Us">contact us</a>.</p>
<p><a id="irma" name="irma"></a><strong>Resources for Those Affected by Hurricane Irma:</strong></p>
<ul><li><a href="#current-students">Information for college or career school students</a></li>
<li><a href="#borrowers">Information for federal student loan borrowers</a></li>
<li><a href="https://www.fema.gov/hurricane-irma" target="_blank" rel="noreferrer noopener">Federal Emergency Management Agency (FEMA) Information on Hurricane Irma</a></li>
<li><a href="https://www.usa.gov/hurricane-irma" target="_blank" rel="noreferrer noopener">USA.gov Information on Hurricane Irma</a></li>
<li><a href="https://www.disasterassistance.gov/" target="_blank" rel="noreferrer noopener">DisasterAssistance.gov</a></li>
<li><a href="http://www.redcross.org" target="_blank" rel="noreferrer noopener">American Red Cross</a></li>
<li><a href="http://www.nhc.noaa.gov" target="_blank" rel="noreferrer noopener">The National Hurricane Center</a></li>
</ul><p>If you have additional questions, please <a href="/sa/contact" title="Contact Us">contact us</a>.</p>
<p><a id="maria" name="maria"></a><strong>Resources for Those Affected by Hurricane Maria:</strong></p>
<ul><li><a href="#current-students">Information for college or career school students</a></li>
<li><a href="#borrowers">Information for federal student loan borrowers</a></li>
<li><a href="https://www.fema.gov/hurricane-maria" target="_blank" rel="noreferrer noopener">Federal Emergency Management Agency (FEMA) Information on Hurricane Maria</a></li>
<li><a href="https://www.usa.gov/hurricane-maria" target="_blank" rel="noreferrer noopener">USA.gov Information on Hurricane Maria</a></li>
<li><a href="https://www.disasterassistance.gov/" target="_blank" rel="noreferrer noopener">DisasterAssistance.gov</a></li>
<li><a href="http://www.redcross.org" target="_blank" rel="noreferrer noopener">American Red Cross</a></li>
<li><a href="http://www.nhc.noaa.gov" target="_blank" rel="noreferrer noopener">The National Hurricane Center</a></li>
</ul><p>If you have additional questions, please <a href="/sa/contact" title="Contact Us">contact us</a>.</p>
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