CARES Act/ Payment Pause Ending Soon

The Department of Education and the White House have announced that Student Loan repayments will resume on September 1, 2023. To ensure that our Clients receive credit towards their 10-Year Public Service Loan Forgiveness (PSLF), MES is urging them to submit their outstanding Employment Certification Forms (ECF) for any months in which they worked for a qualified employer as soon as possible. This will help us process their applications before Student Loan payments become mandatory again in just a few months.

If you are an Ambassador or Client Ambassador and you have referred potential clients to MES, please ask them to send their information immediately. This will allow us to process their applications before May 30th, ensuring they are ready for the September 1st restart and already approved. Due to the anticipated increase in activity surrounding student loan payments, MES is expecting delays in the Department of Education processing of new forgiveness clients. If you have any questions about referring potential clients, please contact our Ambassador Success Manager, Meisie Beauvais, at

As of April 24, 2023, MES Completed Clients have saved a total of $22,121,664 with an average savings of $87,467 per client.

ONE-TIME $10k & $20k Forgiveness: 

If you are currently enrolled in a 10- or 20-year forgiveness program with MES, you may still be eligible to receive additional student loan debt relief if Biden’s one-time “up to” $10k or $20k is approved. Unfortunately, there is no update on the court situation as it has been on hold since November 11th, 2022, due to a court order.

One-Time Student Loan Debt Forgiveness Qualifications

The Department of Education (DOE) will be providing targeted student debt cancellation to borrowers with loans held by the DOE. The following loan forgiveness amounts will be available:

  • Up to $10,000 in loan forgiveness for borrowers with an annual income of under $125,000 (for individuals) or under $250,000 in household income. This only applies to borrowers who did not receive a Federal Pell Grant.
  • Up to $20,000 in loan forgiveness for borrowers with an annual income of under $125,000 (for individuals) or under $250,000 in household income. This only applies to borrowers who did receive a Federal Pell Grant.
  • Note: Private loans are not eligible for student loan debt relief.

If you have any questions about this program, please contact MES at 210-812-3200 or email


White House Announcement:
Department of Education Announcement:
Additional Resource Links: The Biden-Harris Administration’s Student Debt Relief Plan Explained


As the Department of Education continues to provide updates in writing and other information on how the new loan forgiveness will be administered, MES will communicate this information to our Clients. Please refer to the Client Advocate Portal (CAP) for specific information on how the forgiveness program affects your individual program. Please continue to check back on our website for additional announcements, including how the new PSLF programs will be administered and how to apply for your targeted debt cancellation. MES will notify you in writing that your debt is forgiven once we have the government documentation and close out your account at that time.

The MES CAP allows you to access the following:

  • Updated information is currently available and there are many changes to share exclusively with our MES clients.
  • Your September 1st, 2023 Payment Amount
  • Your New Servicer*
  • Full History of Payments
  • Full History of ECF (10-Year Forgiveness Client Programs Only)
  • Number of Payments Made
  • Review and sign off on your CAP (Client Advocate Portal) as part of your renewal process for 2022 to ensure that all the information is accurate before submitting your Renewal documents.

Click here for a virtual tour with our Customer Care Team to begin using our CAP (Client Advocate Portal) and access your payment portal 24/7 from your computer or mobile phone!

New Servicers Transfers:
MES has transferred you from FedLoan to your new servicer.  Your CAP will reflect which payments have been made to your previous servicer and which payments will be made to the new servicer so that you will know which one was accessed.

New Billing Options and Flexible Payment Schedules:
All MES Clients will continue to be billed on the 1st for their monthly payment.  Please speak with a Customer Care representative to participate in pre-payment of programs for up to 12 months and alternative payment methods for those that have NSF.  If MES drafts your full 12-month payment upfront then we will hold it in escrow and pay it month by month as it is due.

New Building Hours!
Please come visit us if you would like to meet face-to-face about all these changes. Please note our staff is working remotely Mondays and Fridays and are in the office Tuesday through Thursday.

Location: 2700 Lockhill Selma, San Antonio, TX 78230

Please come visit us for a confidential consultation, to drop off documents, or for our Client Appreciation gatherings which we hold several times a year.  Our website calendar lists upcoming events for the year

MES is a private company and is not affiliated with the U.S. Department of Education, and is not affiliated with any federal, state, or local government agencies or any authorized federal government contracted student loan servicers.

Updated 04/24/2023