Usually no. Private loans are lender contracts and generally do not use federal forgiveness programs. Confirm loan type before choosing a path.
Private loan help
Private Student Loan Help: Hardship, Refinance, Co-Signer, and Payment Checklist
A borrower-first private student loan checklist for hardship conversations, refinance tradeoffs, co-signer risk, payment pressure, delinquency, and lender records.
Free checklist
No FSA ID
Source-oriented steps
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Private student loans are lender contracts, not federal repayment programs. A borrower should separate private loans from federal loans before asking about hardship, modification, refinance, co-signer release, delinquency, settlement, or lower-rate options.
- Confirm whether each loan is private, federal, refinanced, co-signed, in school, delinquent, charged off, or in collections.
- Save lender name, account number, balance, rate, payment, due date, co-signer status, and any hardship or delinquency notice.
- Compare hardship, modification, refinance, co-signer release, settlement, and autopay questions with total cost and credit risk in mind.
- Do not confuse private refinance offers with federal repayment or forgiveness programs.
A borrower-first private student loan checklist for hardship conversations, refinance tradeoffs, co-signer risk.
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Ask about hardship, payment modification, refinance terms, interest rate, co-signer impact, delinquency reporting, written confirmation, and total repayment cost.