This is a template letter to your creditors requesting that they forgive your debt and write it off for compassionate reasons. Filling out the application is easy and takes only about five minutes.There is no need to log in or provide any documents. Learn how to complete and submit the Public Service Loan Forgiveness form once you've made 120 qualifying payments and met all eligibility requirements. A goodwill letter explains why you had a late payment and asks the creditor to take it off your credit reports. A student loan payoff letter, also called a payoff statement or loan verification letter, outlines your loan's essential details.