Dear [Loan Servicer],
I am writing to apply for student loan forgiveness under the [name of forgiveness program]. I am deeply grateful for the opportunity to have pursued higher education, but unfortunately, my student loan debt has become an insurmountable burden.
I took out these loans with the hope that I would be able to secure a better future for myself and my family. However, I have been unable to find stable employment that pays enough to make consistent payments towards my student loans while also covering my living expenses. As a result, I have fallen behind on my payments and have accrued interest and late fees.
I am applying for student loan forgiveness under the [name of forgiveness program] because I meet the eligibility criteria. [Here, you should outline why you believe you qualify for the program, such as being employed in a public service job, having a disability that prevents you from working, or being a veteran.]
I would like to provide more information about my financial situation. Currently, I am [employed/unemployed] and earning [salary/income]. My monthly expenses include [list of expenses, such as rent, utilities, and food], which leaves little room for paying off my student loans. I have [number] dependents who rely on me for financial support, which adds to the financial strain.
I have attached my most recent tax returns and other relevant financial documents to support my application. If there are any other documents or information that you need from me, please let me know.
I understand that applying for student loan forgiveness is a serious matter and that it may take some time for my application to be reviewed. However, I am hopeful that with your assistance, I will be able to reduce or eliminate my student loan debt and move forward with my life.
Thank you for your time and consideration.
Sincerely, [Your Name]
