Easier forms for splitting joint student loans
Published Date: 4/9/2026
Notice
Summary
The Department of Education wants your thoughts on updating the Joint Consolidation Loan Separation Application, which helps people split their combined student loans. If you’re affected by these loans, this change could make the process clearer and easier. You’ve got until June 8, 2026, to share your feedback—no cost involved, just your voice!
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Joint Loan Separation Form Update
If you have joint consolidated federal student loans, the Department of Education is proposing to revise the Joint Consolidation Loan Separation Application to align with the One Big Beautiful Bill Act (signed July 4, 2025). The changes apply to Direct Loans (including consolidation loans) received on or after July 1, 2026 and may make the separation process clearer and easier.
Application Paperwork Burden
The Department estimates 74,000 annual responses to the Joint Consolidation Loan Separation Application and a total annual burden of 24,050 hours for respondents. That total implies about 0.325 hours (about 19–20 minutes) of paperwork per response on average.
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