letter of application przykłady

• Career Blog

Writing a Winning Job Application Letter: Tips and Examples

A job application letter, also known as a cover letter, is a formal letter that accompanies your resume and introduces you to a potential employer. The purpose of a job application letter is to highlight your qualifications, experience, and skills that make you the perfect candidate for the job. It also helps employers understand your personality, work ethic, and how you plan to contribute to their organization.

Importance of Customization

One of the key factors that can make or break your job application letter is how well you customize it to the specific job you are applying for. Employers want to see that you have taken the time to research their company and understand what they are looking for in a candidate. Customizing your letter also shows that you are genuinely interested in the job and that you are willing to put in the extra effort to stand out from other applicants.

Brief Overview of Key Sections

While job application letters can vary slightly depending on the job and industry, they typically contain four key sections:

Introduction: This section should include a brief introduction, the job you are applying for, and how you found out about it.

Qualifications: In this section, you should discuss your qualifications and experience that make you a good fit for the job. Be sure to tailor this section to the specific job requirements to show that you have the skills they are looking for.

Skills: Here, you should highlight your relevant skills and how they apply to the job. Use examples from your past experiences to demonstrate your proficiency in each skill.

Closing: The closing paragraph should thank the employer for considering your application and provide contact information for them to reach you.

In this article, we will dive into each of these sections in more detail and provide tips and examples to help you write a winning job application letter.

Understand the Job Requirements

To write a winning job application letter, it is important to thoroughly understand the job requirements. This involves analyzing the job description and understanding the needs of the employer, as well as tailoring your letter to attract the specific employer.

A. Analyzing the Job Description

The job description provides you with valuable information about the position you are applying for. It outlines the required skills, qualifications, and responsibilities of the job. By analyzing the job description, you can determine if the role is a good fit for your experience and qualifications.

When analyzing the job description, it is important to pay attention to key phrases and requirements mentioned. These can give you insight into the priorities of the employer and allow you to tailor your application to meet those priorities.

B. Understanding the Needs of the Employer

To write a winning job application letter, it is also essential to understand the needs of the employer. This means researching the company and the industry to get a better understanding of the company culture, mission, and values. It also means understanding the desired outcome of the position and how you can address the employer’s needs.

One way to convey your understanding of the employer’s needs is to highlight relevant accomplishments in your application letter. By showing how you have successfully addressed similar challenges in the past, you can demonstrate your potential value to the employer.

C. Tailoring the Letter to Attract Specific Employer

Finally, to write a winning job application letter, it is important to tailor your letter to attract the specific employer. This means using language and examples that relate to the specific company and its values. It also means customizing your application letter to the specific job and its requirements.

To tailor your letter, take the time to research the company and its values. This can involve reviewing their website, social media, and other online resources. By addressing the specific needs and values of the employer, you can show that you are invested in the position and the company.

To write a winning job application letter, it is important to understand the job requirements, analyze the job description, understand the needs of the employer, and tailor the letter to attract the specific employer. By doing so, you can craft an application that stands out from the competition and showcases your value as a candidate.

Research the Company and Industry

Before writing your job application letter, it’s important to research the company and industry thoroughly to increase your chances of writing a winning letter. Here are three key areas to focus on:

A. Understanding the Mission, Vision, and Values of the Company

Make sure you take the time to research the company’s mission, vision, and values. This will help you understand the company’s goals and the qualities they look for in employees. You can find this information on the company’s website, social media pages or company annual report.

Incorporate the values and mission statement of the company into your job application letter. This highlights your alignment with the company culture, and how your beliefs and goals match that of the organization’s.

B. Identifying the Company’s Competition

Once you have an understanding of the company, you need to identify the company’s competition. Knowing who the competitors are can help you understand the industry as well as the company’s market share position.

List the company’s competitors in your job application letter and briefly explain how you see the company’s strengths overcoming the competitors’ weaknesses.

C. Industry Trends and How to Address Them

The final area to focus on when researching the company and industry is identifying current industry trends and how these trends may impact the company’s future. Use reputable sources to gather trends and predictions about the industry. This will also show the recruiter that you are not only familiar with their industry, but are engaging in informed discussion and contributing to innovative solutions.

Incorporate industry trends into your job application letter and showcase the ideas and innovations you bring, how leveraging them can enhance the company’s position and how you can contribute to any current and future challenges, for which the potential employer has yet to find a solution.

By researching and incorporating the above areas into your job application letter, you demonstrate a genuine interest in the organization and showcase clear understanding, innovative thought and how your expertise can improve the company’s performance.

Know Your Strengths and Skills

When writing a job application letter, it’s crucial to understand your unique selling proposition, relevant experience, and transferrable skills. This information will help you stand out from the other applicants and potentially land the job of your dreams.

A. Identifying Your Unique Selling Proposition

Your unique selling proposition (USP) is what sets you apart from the other candidates. It could be a specific skill, experience or personality trait that aligns with the company’s values and job requirements. Start by analyzing the job description and researching the company culture to identify what makes you an ideal candidate for the role.

Once you have identified your USP, use it as the main selling point in your job application letter. Highlight your strengths and skills and explain how they align with the job requirements and the company’s values. This will show the hiring manager that you are not just another candidate, but someone who has something valuable to offer.

B. Highlighting Your Relevant Experience and Accomplishments

Your work experience and achievements are essential in demonstrating your abilities and suitability for the job. When crafting your job application letter, focus on highlighting your relevant experience and accomplishments. Use specific examples to demonstrate how you have contributed in previous roles and how those skills could be applied to the new role you are applying for.

Be sure to use metrics whenever possible as numbers are a great way to showcase your achievements. For example, if you were able to increase sales revenue by 20% in your previous role, mention it in your letter. This will give the hiring manager a clear understanding of your capabilities and how they align with the job requirements.

C. Understanding How to Leverage Transferrable Skills

Transferrable skills are those abilities that you have gained from your previous experiences that are not necessarily related to the job you are applying for. They can be valuable in demonstrating your adaptability and ability to learn quickly.

When discussing your transferrable skills in your job application letter, highlight how they could be applied to the new role you are applying for. For example, if you have strong communication skills, explain how you could use that to effectively collaborate with team members and clients.

By understanding and leveraging your unique selling proposition, relevant experience and accomplishments, and transferrable skills, you can write a job application letter that stands out from the crowd. Remember to tailor your letter to the job requirements and company culture to increase your chances of success.

Address Gaps in Your Resume or Experience

When applying for a job, it’s important to consider any gaps in your resume or experience that might be a red flag for hiring managers. Addressing these gaps upfront can demonstrate your accountability and willingness to take ownership of your shortcomings.

A. Taking ownership of failings

If you have gaps in your work history or experience, don’t try to hide or make excuses for them. Instead, take ownership of any failings and show that you’re actively working to improve yourself. This could involve taking courses, pursuing certifications, or volunteering in relevant areas to gain hands-on experience.

B. Finding a workaround for unfilled requirements

Sometimes a job posting requires specific qualifications or experience that you don’t have. In these cases, it’s important to find a workaround that demonstrates your ability to still meet the employer’s needs. This could involve highlighting related experience or transferable skills that could compensate for the missing requirement. Alternatively, it might involve offering to take on additional training or work with a mentor to acquire the missing knowledge.

C. Highlighting transferable skills to counter an irrelevant job background

When applying for a job in a new industry or field, it’s common to have a background that might not seem directly relevant. However, this doesn’t necessarily mean you’re unqualified for the role. By highlighting transferable skills, such as leadership, problem-solving, or communication, you can demonstrate your ability to adapt to new situations and learn quickly.

Addressing gaps in your resume or experience is an important aspect of writing a winning job application letter. By taking ownership of your failings, finding workarounds for unfilled requirements, and highlighting transferable skills, you can position yourself as a strong candidate and increase your chances of landing the job you want.

Crafting an Attention-grabbing Opening Paragraph

In the competitive job market, first impressions matter. The opening paragraph of your job application letter is your opportunity to make a positive and lasting impression on potential employers. In this section, we’ll explore the importance of crafting an attention-grabbing opening paragraph and provide tips and examples on how to do so.

A. Importance of First Impressions

Studies show that it takes less than 30 seconds for a recruiter or hiring manager to form an initial impression of a job candidate. This means that your opening paragraph is a critical component of your job application letter. Your goal is to capture the employer’s interest and convince them to continue reading.

B. Creative and Engaging Opening Lines

One effective way to capture the employer’s attention is by starting your letter with a creative and engaging opening line. This can be a quote, a personal story, a relevant statistic, or a bold statement. The key is to be authentic and genuine while still standing out from other applicants.

C. Strategies for Catching the Employer’s Attention

Beyond the opening line, there are several strategies you can use to further capture the employer’s attention. These include highlighting relevant skills and experience, demonstrating enthusiasm for the position and company, and connecting your qualifications to the job requirements.

By following these tips and examples, you can craft an attention-grabbing opening paragraph that sets you apart from the competition and piques the employer’s interest.

Highlighting Your Accomplishments

When it comes to writing a winning job application letter, highlighting your accomplishments is crucial. This allows potential employers to see the proven results that you can bring to their organization. Here are a few tips on how to effectively highlight your accomplishments:

A. Demonstrating Achievements in Previous Roles

One of the most effective ways to demonstrate your achievements is by highlighting your accomplishments in your previous roles. This shows that you have a track record of success and can bring that success to your next job. When highlighting your achievements, make sure to focus on results, not just responsibilities. Instead of stating that you managed a team, highlight the specific results that you achieved as a team leader.

For example, instead of saying, “Managed a team of 10 employees,” you could say, “Led a team of 10 employees to achieve a 25% increase in sales within the first quarter.” This shows the impact you had in your previous role and gives potential employers an idea of what you can achieve in their organization.

B. Using Data to Support Accomplishments

Using data to support your accomplishments is a powerful way to illustrate the impact you had in your previous roles. This could include data such as sales figures, customer satisfaction ratings, or employee retention rates. When using data, make sure to include specific numbers and percentages.

For example, instead of saying, “Improved customer satisfaction,” you could say, “Increased customer satisfaction ratings by 15% through implementing a new customer service training program.” This demonstrates the impact you had on the organization and the value you can bring to a potential employer.

C. Highlighting Relevant Certifications and Awards

Another way to highlight your accomplishments is by showcasing any relevant certifications or awards you have received. This shows that you have taken the time to invest in your professional development and have been recognized for your achievements.

When highlighting certifications and awards, make sure to explain why they are relevant to the job you are applying for. For example, if you are applying for a marketing position, highlighting your Google Analytics certification would be relevant as it demonstrates your analytics skills.

Highlighting your accomplishments is a crucial part of writing a winning job application letter. By demonstrating your achievements in previous roles, using data to support your accomplishments, and highlighting relevant certifications and awards, you can show potential employers the value you can bring to their organization.

Showcasing Your Writing Skills

When it comes to writing a winning job application letter, showcasing your exceptional writing skills is crucial to increase your chances of getting hired. Employers often look for applicants who have a way with words, can express themselves clearly, and can craft compelling content that leaves a lasting impression. Here are several ways to showcase your writing skills:

A. Highlighting experience in writing

One of the most effective ways to showcase your writing skills is to highlight your experience as a writer. This can include previous work experience in writing-related fields such as journalism, marketing, or content creation. If you have a writing degree, mention it. You can also share published articles or blog posts that you have written to demonstrate your skills in action. Highlighting relevant experience shows that you have the skills needed to excel in the role you are applying for.

B. Incorporating keywords

Incorporating keywords relevant to the job posting can also help showcase your writing skills. Employers often use applicant tracking systems (ATS) to scan resumes and cover letters for specific keywords related to the position. By including these keywords, you can increase your chances of getting past the initial screening process and showcase your understanding of industry-specific language.

C. Proper grammar, spelling, and tone

Finally, it’s essential to ensure that your writing exhibits proper grammar, spelling, and tone. Errors in these areas can undercut the impact of your application letter and send the wrong message to your potential employer. Take the time to proofread your cover letter and resume carefully, and have someone else review them too. Double-check for proper punctuation, spelling errors, and that your tone fits the professional context.

Showcasing your writing skills is critical when applying for jobs, particularly those that require excellent communication skills. Highlighting relevant experience, incorporating keywords, and ensuring proper grammar, spelling, and tone are strategies that can help set you apart from other applicants and make a lasting impression on potential employers.

Using Power Words and Phrases

When writing a job application letter, it is essential to use powerful words and phrases that can help you stand out from the crowd. Here are some tips to help you select the right words:

A. Selecting Strong Action Words

Action words can help demonstrate your skills and experience effectively. Use verbs that showcase your achievements and contributions to your previous roles. For instance, rather than saying you “assisted” your team, use words such as “led,” “managed,” or “initiated” to emphasize your role in driving projects and initiatives forward.

B. Avoiding Common Clichés and Buzzwords

Although buzzwords and clichés may seem tempting, they could potentially undermine the impact of your letter. Instead of using cookie-cutter phrases like “I am a team player,” try to use specific examples to illustrate your ability to work collaboratively. Also, avoid jargon that may not be familiar to the reader and opt for straightforward language that can be easily understood.

C. Crafting Impactful and Persuasive Sentences

To make your letter more impactful and persuasive, use language that emphasizes your strengths and accomplishments. Start sentences with action words and focus on the results you have achieved. Also, be specific and illustrate your points with concrete examples that demonstrate your value to the prospective employer.

When writing your job application letter, make sure to choose powerful words that demonstrate your expertise and experience effectively. Avoid using clichés and buzzwords and instead focus on crafting persuasive and impactful sentences that showcase your strengths and contributions. By following these principles, you can create a compelling letter that increases your chances of landing the job you want.

Formatting and Presentation of Your Job Application Letter

When it comes to writing a winning job application letter, the presentation and formatting of the letter are just as important as the content. Here are some tips to ensure your letter looks professional and polished:

A. Ensure consistency in formatting

Make sure your letter has a consistent format throughout. This means using the same font and font size for the entire letter. Also, ensure that the margins and spacing are consistent from beginning to end.

B. Proper use of fonts, margins, and spacing

Use a standard font like Times New Roman or Arial, in a legible size (such as 11pt or 12pt). Be sure to use proper spacing between paragraphs and section headers. It’s important to have enough white space to make the letter easy to read, but not so much that it takes up unnecessary space.

C. Guidelines on length of the letter

Longer letters can seem rambling and may deter the hiring manager from reading the whole thing. Focus on the most important points and make them clear and succinct. Remember, your goal is to make a strong case for yourself as a candidate, not overwhelm the reader with information.

By following these tips, you can ensure that your job application letter looks professional, polished, and focused on what matters most – your qualifications for the job.

Sample Job Application Letter

Writing a winning job application letter is important if you’re looking to impress the hiring manager and land your dream job. In this section of the article, we’ll walk through a sample job application letter, analyze its strong points, and provide strategies to improve it.

A. Walk Through a Sample Job Application Letter

Dear Hiring Manager,

I am writing to express my interest in the position of Marketing Manager at ABC Company, as advertised on [job board]. With over [number] years of experience in the marketing industry, I believe I have the skills and knowledge to succeed in this role and make a significant contribution to your team.

During my time at XYZ Company, I was responsible for developing and executing successful marketing campaigns that exceeded client expectations and resulted in increased ROI. My experience in digital marketing, social media management, and content creation have prepared me well for this role. I am highly adaptable, and I have a proven track record of implementing innovative strategies to achieve business objectives.

In addition, I am a strong communicator and collaborator, and I work well in cross-functional teams. I am confident that my skills and experience make me a strong candidate for the role of Marketing Manager at ABC Company.

Thank you for considering my application. I look forward to the opportunity to discuss my qualifications further.

Sincerely, [Your Name]

B. Analyzing the Strong Points in the Letter

The sample job application letter has several strong points:

• The candidate clearly expresses their interest in the position and summarizes their skills and experience in the marketing industry.
• The letter highlights the candidate’s successful track record in executing marketing campaigns and achieving business objectives.
• The candidate demonstrates their adaptability and ability to implement innovative strategies.
• The letter emphasizes the candidate’s communication and collaboration skills.

C. Strategies to Improve the Letter

To improve the sample job application letter, consider the following strategies:

• Start with a strong opening sentence that grabs the hiring manager’s attention, such as a personal anecdote or a statement about the company’s mission.
• Use specific examples of your achievements and accomplishments to demonstrate your value to the company.
• Customize your letter to the specific job and company by conducting research and referencing relevant company initiatives or values.
• Show enthusiasm and a willingness to learn by expressing interest in the company’s future projects or goals.

By implementing these strategies, you can enhance your job application letter and increase your chances of landing an interview with your dream company.

Writing a winning job application letter requires attention to detail, strong communication skills, and a clear understanding of the hiring company’s needs and values. By following these tips and analyzing examples such as the one above, you can take your job application letter to the next level and stand out from the competition.

Related Articles

• The Easiest Part-Time Jobs: Maximizing Your Income in 2023
• Information Technology (IT) Cover Letter: Samples & Tips
• Package Handler Resume: Winning Examples for 2023
• 10 Photographer Resume Examples That Secured Jobs in 2023
• The Business Resume Guide: 10+ Samples & Examples for 2023

Rate this article

0 / 5. Reviews: 0

More from ResumeHead

• Search Search Please fill out this field.
• Career Planning
• Finding a Job
• Cover Letters

How to Write a Job Application Letter (With Examples)

What Is a Job Application Letter?

Tips for writing a job application letter, how to get started.

• Writing Guidelines
• What to Include in Each Section

Simple Formatting Using a Template

Tips for writing an effective letter, sample job application letter, sending an email application, review more letter examples.

Do you need to write a letter to apply for a job? Most of the time, the answer is yes. Even when employers don’t require a job application letter , writing one will help you highlight your skills and achievements and get the hiring manager’s attention. The only time not to send one is when the job listing says not to do so. It can help, and it definitely won't hurt to include an application letter with your resume.

A job application letter, also known as a cover letter , should be sent or uploaded with your resume when applying for jobs. While your resume offers a history of your work experience and an outline of your skills and accomplishments, the job application letter you send to an employer explains why you are qualified for the position and should be selected for an interview.

Writing this letter can seem like a challenging task. However, if you take it one step at a time, you'll soon be an expert at writing application letters to send with your resume.

Melissa Ling / The Balance

Before you begin writing your job application letter, do some groundwork. Consider what information you want to include, and keep in mind that space is limited.

Remember, this letter is making a case for your candidacy for the position. But you should do more than just regurgitate your resume. Instead, highlight your most relevant skills, experiences, and abilities.

Analyze the Job Posting

To include the most convincing, relevant details in your letter, you'll need to know what the employer wants.

The biggest clues are within the job advertisement, so spend some time decoding the job listing . Next, match your qualifications with the employer's wants and needs.

Include Your Most Relevant Qualifications

Make a list of your relevant experience and skills. For instance, if the job ad calls for a strong leader, think of examples of when you've successfully led a team. Once you've jotted down some notes and have a sense of what you want to highlight in your letter, you're ready to start writing.

Writing Guidelines for Job Application Letters

Writing a job application letter is very different from a quick email to a friend or a thank-you note to a relative. Hiring managers and potential interviewers have certain expectations when it comes to the letter's presentation and appearance, from length (no more than a page) and font size to style and letter spacing . Keep these general guidelines in mind, but always stick to any explicit instructions in the job listing or application portal.

Length: A letter of application should be no more than one page long. Three to four paragraphs are typical.

Format and Page Margins: A letter of application should be single-spaced with a space between each paragraph. Use 1-inch margins and align your text to the left, which is the standard alignment for most documents.

Font: Use a traditional font such as Times New Roman, Arial, or Calibri. The font size should be between 10 and 12 points.

What to Include in Each Section of the Letter

There are also set rules for the sections included in the letter, from salutation to sign-off, and how the letter is organized. Here's a quick overview of the main sections included in a job application letter:

Heading: A job application letter should begin with both your and the employer's contact information (name, address, phone number, email), followed by the date. If this is an email rather than an actual letter, include your contact information at the end of the letter, after your signature.

•   Header Examples

Salutation: This is your polite greeting. The most common salutation is "Dear Mr./Ms." followed by the person's last name. Find out more about appropriate cover letter salutations , including what to do if you don't know the person's name or are unsure of a contact's gender.

Body of the letter: Think of this section as having three distinct parts.

In the first paragraph , you'll want to mention the job you are applying for and where you saw the job listing.

The next paragraph(s) are the most important part of your letter. Remember how you gathered information about what the employer was seeking, and how you could meet their needs? This is where you'll share those relevant details on your experience and accomplishments.

The third and last part of the body of the letter will be your thank you to the employer; you can also offer follow-up information.

Complimentary Close: Sign off your email or letter with a polite close, such as "Best," or "Sincerely," followed by your name.

• Closing Examples

Signature: When you're sending or uploading a printed letter, end with your handwritten signature, followed by your typed name. If this is an email, simply include your typed name, followed by your contact information.

• Signature Examples

Overwhelmed by all these formatting and organization requirements? One way to make the process of writing a job application easier is to use a template to create your own personalized letters. Having a template can help save you time if you are sending a lot of application letters.

Be sure that each letter you send is personalized to the company and position; do not send the same letter to different companies.

• Always write one. Unless a job posting explicitly says not to send a letter of application or cover letter, you should always send one. Even if the company does not request a letter of application, it never hurts to include one. If they do ask you to send a letter, make sure to follow the directions exactly (for example, they might ask you to send the letter as an email attachment or type it directly into their online application system).
• Use business letter format. Use a formal business letter format when writing your letter. Include your contact information at the top, the date, and the employer’s contact information. Be sure to provide a salutation at the beginning and your signature at the end.
• Sell yourself. Throughout the letter, focus on how you would benefit the company. Provide specific examples of times when you demonstrated skills or abilities that would be useful for the job, especially those listed in the job posting or description. If possible, include examples of times when you added value to a company.

Numerical values offer concrete evidence of your skills and accomplishments.

• Use keywords. Reread the job listing, taking note of any keywords (such as skills or abilities that are emphasized in the listing). Try to include some of those words in your cover letter. This will help the employer see that you are a strong fit for the job.
• Keep it brief. Keep your letter under a page long, with no more than about four paragraphs. An employer is more likely to read a concise letter.
• Proofread and edit. Employers are likely to overlook an application with a lot of errors. Read through your cover letter, and if possible, ask a friend or career counselor to review the letter. Proofread for any grammar or spelling errors.

This is a job application letter sample.  Download the letter template (compatible with Google Docs or Word Online) or read the example below.

Sample Job Application Letter (Text Version)

Elizabeth Johnson 12 Jones Street Portland, Maine 04101 555-555-5555 elizabethjohnson@emailaddress.com

August 11, 2024

Mark Smith Human Resources Manager Veggies to Go 238 Main Street Portland, Maine 04101

Dear Mr. Smith,

I was so excited when my former coworker, Jay Lopez, told me about your opening for an administrative assistant in your Portland offices. A long-time Veggies to Go customer and an experienced admin, I would love to help the company achieve its mission of making healthy produce as available as takeout.

I’ve worked for small companies for my entire career, and I relish the opportunity to wear many hats and work with the team to succeed. In my latest role as an administrative assistant at Beauty Corp, I saved my employer thousands of dollars in temp workers by implementing a self-scheduling system for the customer service reps that cut down on canceled shifts. I also learned web design and timesheet coding, and I perfected my Excel skills. 

I’ve attached my resume for your consideration and hope to speak with you soon about your needs for the role.

Best Regards,

Elizabeth Johnson (signature hard copy letter)

Elizabeth Johnson

When you are sending your letter via email include the reason you are writing in the subject line of your message:

Subject Line Example

Subject: Elizabeth Johnson – Administrative Assistant Position

List your contact information in your signature, rather than in the body of the letter:

Email Signature Example

Elizabeth Johnson 555-555-5555 email@emailaddress.com

Review more examples of professionally written cover letters for a variety of circumstances, occupations, and job types.

CareerOneStop. " How Do I Write a Cover Letter? "

University of Maryland Global Campus. " Cover Letters ."

Anglobiznes.pl

Praca dla specjalistów z komunikatywnym angielskim. Edukacja Językowa i Doradztwo Zawodowe.

General English

• Artykuły/ Porady
• Metody nauki języka
• Warsztaty fonetyczne
• Słownictwo tematyczne
• Formuły konwersacyjne

Najczęściej oglądane

• Alfabet angielski z wymową
• Kiedy "Yours faithfully" i kiedy "Yours sincerely"?
• Wyrażenia dla kelnerów/kelnerek
• Angielski na recepcji – formuły konwersacyjne
• 6 najlepszych stron, dzięki którym poćwiczysz mówienie po angielsku.
• Jak napisać dobry list motywacyjny w języku angielskim?
• Zaimki wskazujące (this, that, these, those)
• Najczęsciej używane idiomy angielskie
• Klauzula o ochronie danych osobowych po angielsku
• Jak napisać krótki e-mail z zapytaniem o pracę.

Oferta reklamy

English tip, a letter of application for a job.

A letter of application for a job. Podanie o pracę/List motywacyjny. Najpotrzebniejsze wyrażenia, dzięki którym zbudujesz profesjonalny list motywacyjny.

1. Reason for writing:

I am writing to apply for the position/post of ... I am writing to apply for the job you advertised in ... I am writing in connection with the job advertisement in ...

2. Education/Qualifications:

I graduated from ... in ... In secondary school I majored in ... (ex. -English and History-) I hole a certificate/degree in ... I have been working as ... I am currrently (a student/employed) at ... I have completed the following courses ... I will graduate this year with ...(a Bachelor of Arts)

3. Work experience:

I have experience of ... As my references show ... I feel I have necessary qualities for this job because ... I am ... (ex. - friendly and hard-working-). I am a motivated professional with a variety of skills and experience. I would also like to add ...

4. Closing the letter:

I would be happy to attend an interview at any time convenient to you. I am available for the interview ... Please contact me if you have any queries at (0568292974). If you have any questions, please call me at ... I enclose a ... (CV/my references). I look forward to meeting you /hearing from you soon. Thank you for reviewing my letter and my enclosed CV.

Yours faithfully/Yours sincerely

Prawdziwy angielski. Nauka na autentycznych materiałach. Angielski Biznesowy, Konwersacje po angielsku, General English, Immersja językowa

Ucz się z lektorem na żywo Angielski przez skype

• Polityka prywatności

Prawdziwy angielski. Nauka na autentycznych materiałach. Angielski specjalistyczny

Whether you're looking for a new job or trying to make financial gains at the one you're at, you may find that at some point you'll need to make a salary negotiation. But how can you do it if you never have before?

Remember the time when the movie " The Negotiator" came blasting onto the big screen? You bet, it co-starred two of my all-time favourite movie heroes - Kevin Spacey & Samuel L. Jackson.

Logistics involves all the processes from procuring raw materials to delivering the finished products to the customers.

How to write a Letter of Application? (FCE, CAE, CPE)

This article provides information on how to write a letter of application and what it consists of.  Although its content is mainly aimed at Cambridge exams , it can also be used for other purposes of learning English and writing a real letters of application.

Letter of Application: Definition

Letter of application is always formal in style unless the question explicitly states otherwise. Its purpose is to propose  a candidate and outline his suitability, for a particular position. Description (of a person’s character and strengths), explanation and justification are important functions in a letter of application.

Letter of Application: Structure

Fce, cae, cpe, practice, write & improve, letter of application: writing guide, 1. salutation.

Dear Sir or Madam 

If you do not know the name of the person you are writing to, use this. The following is a list of letter salutation examples that are appropriate for letters of application.

• Dear Hiring Manager
• Dear Search Committee
• To whom it may concern
• Dear Human Resources Manager

Dear Sir or Madam

2. The Introductory Paragraph

Begin by stating the job for which you are applying. Briefly mention how your skills and experience match the company and/or position; this will give the employer a preview of the rest of your letter.

I am writing to apply for the post of Fashion Shop Manager advertised in the ‘News Shopper’ of 14 February 2002.

3. The next paragraphs (the body)

In the following paragraphs, explain why you are interested in the job and why you make an excellent candidate for the position. Mention specific qualifications listed in the job posting and explain how you meet those qualifications.

Please see the example structure below:

(2nd paragraph) You might go and list your experience and relevant qualifications:

(briefly introduce yourself first) I am an ambitious and creative 25-year-old who have worked in the retail industry for a total of ten years, first as a sales assistant in a department store and for the last three years as a Section Head and Deputy Manager at Jones the Bootmaker.

(3rd paragraph) You might then go on to mention the particular abilities and skills that you have:

I believe I have all the skills, knowledge and expertise that you are looking for. I have lots of retail initiative, can schedule and prioritise tasks and can work to strict deadlines. I also work particularly well with people and would enjoy leading the team and working with clients and customers.

(4th paragraph) Say why you are particularly interested in this job:

I am applying for this position as I am looking to progress from junior to senior management. I have always been interested in the latest fashion trends and developments and I believe your organisation is a well-run quality fashion business. I would very much like to work for your company.

4. Closing paragraph

You might close the letter with the following formula.

I look forward to hearing from you and hope that you will be able to invite me for an interview.

Yours faithfully XYZ

“Yours sincerely” or “Yours faithfully”?

“Yours sincerely” is typically employed in English when the recipient is addressed by name (e.g. “Dear John”) and is known to the sender to some degree, whereas “Yours faithfully” is used when the recipient is not addressed by name (i.e., the recipient is addressed by a phrase such as “Dear Sir/Madam”)

Let’s sum it up…

Letter of application: example answers, letter of application sample 1, letter of application subject:.

You have read the following information from a British university, and have decided to apply for a course:

The university welcomes applications to all its courses from overseas students. Please write to the Admissions Officer giving details of the course you wish to apply for and why. Your letter should include an outline of your qualifications and any other relevant information.

Write your letter of application

Student’s Letter of Application Answer:

I am writing to apply for your two-year degree in teaching English at the university level. At present, I am a teacher of English and of Computer Science in the primary school here, in Lutynia.

I am keen to improve my English as this is not only my hobby but also a strong need. I should add that I am already half-way towards achieving my goal. Ten years ago I was a university teacher of Computer Science. Up to now, I have specialized in both subjects. I graduated from Technical University of Wroclaw, Department of Foreign Languages and the Academy of Economics, Department of Computer Science with Master’s Degree.

I have a great deal of work experience that demonstrates my ability in languages. I have undertaken a number of translation projects for doctors, scientists, computer programmers and travel guides. I estimate that my English is at an advanced level and at present, I am preparing for the CAE exam.

I am particularly interested in completing my degree at your university as it is famous all over the world. If you wish Ms.J.Forde can give you a reference.

I hope you will give my application serious consideration and I look forward to hearing from you.

Yours faithfully (your name)

Letter of Application Sample 2

Letter of application subject:.

A restaurant in your region is to open shortly and the owner has placed the following advertisement in your local newspaper:

RESTAURANT STAFF NEEDED…

…For a busy restaurant located in the main tourist area of this region. We have a number of vacancies available, including: Junior Chef,  Waiter/Waitress, Restaurant Manager. Hours of work: 6 – 12pm, Mondays to Saturdays.

Please send us a letter explaining which post you are interested in and why we should consider you for the job. Interviews will be held a week after the closing date.

I am writing with reference to your advertisement for the position of a Restaurant Manager, which was placed in The Guardian on 10 December.

My reason for being interested in this vacancy is that according to what is said by the executives of the companies I worked for (please find enclosed their letters of reference), I am particularly efficient at being involved in projects requiring a great deal of physical and mental energy and also creativity. I would be able to bring to bear these personal qualities of mine for the benefit of the restaurant.

I am sure that I would be successful in this post as I have now gained managerial experience having had work as a Senior Manager for the “Little Chef Restaurant” for 10 years. At present I work for the restaurant mentioned above, where my responsibilities comprise dealing with suppliers and corporate clients, recruiting employees and checking the financial statements of affiliated companies.

My academic background (a Master’s Degree in Tourism & Hospitality) would also prove valuable to you.

Please could you send me an application form and any other relevant details including those of salary, working hours and any additional benefits (such as private health care or social facilities).

I am able to attend an interview on any day from 11 a. m. Should you need any further information, do not hesitate to contact me on 222333222 from 9 a.m. to 5 p.m. or by email at [email protected].

Yours faithfully, name and surname

Letter of Application Sample 3

A tourist company which organises coach tours of your home town has placed the following advertisement in your local newspaper:

TOUR GUIDES REQUIRED 

Are you an outgoing and sociable person, who has a good command of English and some knowledge of local history?  Take-a-Tour is setting up a branch in your area and we are looking for tour guides to accompany up to fifty passengers a time on our coach tours. Your duties will include welcoming passengers aboard the coach, giving a commentary about the local sights, and taking small groups around the town on foot.

I am writing to reply to your advertisement for a tour guide in The Tokyo Mini Times on 13th January.

I have always been interested in working with tourists and this is one of the main reasons why I am applying for this job. I actually have some experience of guiding foreign people around the town as a volunteer. Therefore, the city council sometimes asks me to take people to some historical places and explain about the background. Once I organised  a sightseeing tour that thirty people took part in. Every time I have a chance to do that, they appreciate my explanations. I think I will be a competent guide.

I have been living in this town since I was born. My ancestors came to live here two hundred years ago thus I know how this town has developed. I think I will manage to give a unique speech to the tourists.

I passed the Cambridge Certificate in Advanced English last year, which I believe endorses my English ability. As far as I am concerned, this level is suitable for a tour guide.

I am available to start work on 15th February. I am also available to attend an interview in the afternoon on Monday to Thursday. Please do not hesitate to contact me if you need any further information.

I would be very grateful if you consider my application. I look forward to hearing from you soon.

Letter of Application: Writing Topics

Letter of application task 1.

The university welcomes applications to all its courses from overseas students. Please write to the Admissions Officer giving details of the course you wish to apply for and why. Your letter should include an outline of your qualifications and any other relevant information.

Write your letter of application to the Admissions Officer.

(CAE 220-260 words – CPE 280-320 words)

Letter of Application Task 2

RESTAURANT STAFF NEEDED… …For a busy restaurant located in the main tourist area of this region. We have a number of vacancies available, including: Junior Chef Waiter/Waitress Restaurant Manager Hours of work: 6 – 12pm, Mondays to Saturdays.

Letter of Application Task 3

TOUR GUIDES REQUIRED Are you an outgoing and sociable person, who has a good command of English and some knowledge of local history?  Take-a-Tour is setting up a branch in your area and we are looking for tour guides to accompany up to fifty passengers a time on our coach tours. Your duties will include welcoming passengers aboard the coach, giving a commentary about the local sights, and taking small groups around the town on foot. 

Write the letter of application.

Practice Tests Online

Letter of application: useful phrases & language.

I’m writing to apply for the post/position of…..as advertised in…….. I’m writing with reference I’m writing in response to your advertisement which I saw…. I’m writing in connection with your advertisement

Qualifications /Experience

I gained some experience while … I am currently working as … I have been working for … for the last four years. I worked part-time for three years as … At the moment| am employed by … My qualifications include … I have a diploma in … I graduated from Barcelona University last year with a degree in …  Please find attached my CV As you can see from the attached CV …

Personal Qualities

I see myself systematic, meticulous in my approach to work….. I have a clear insight of……… I value time and not squander…… I tackle a problem…..

Closing remarks

I would appreciate a reply at your earliest convenience Please contact me with any queries you may have, I would be glad to attend an interview at any time convenient I look forward to hearing from you in due course….

• Cambridge Dictionary +Plus
• Wyloguj się

Znaczenie słowa letter of application w języku angielskim

Your browser doesn't support HTML5 audio

Przykłady letter of application

on top of the world

extremely happy

Keeping up appearances (Talking about how things seem)

Dowiedz się więcej dzięki +Plus

• Świeże i godne polecenia {{#preferredDictionaries}} {{name}} {{/preferredDictionaries}}
• Definicje Jasne wyjaśnienia naturalnego, mówionego i pisanego języka angielskiego. angielski Learner’s Dictionary Essential British English Essential American English
• Gramatyka i tezaurus Objaśnienia naturalnego użycia języka angielskiego w piśmie i mowie gramatyka Tezaurus
• Pronunciation British and American pronunciations with audio English Pronunciation
• angielski–chiński (uproszczony) Chinese (Simplified)–English
• angielski–chiński (tradycyjny) Chinese (Traditional)–English
• angielski–holenderski holenderski–angielski
• angielski–francuski francuski–angielski
• angielski–niemiecki niemiecki–angielski
• angielski–indonezyjski indonezyjski–angielski
• angielski–włoski włoski–angielski
• angielski–japoński japoński–angielski
• angielski–norweski norweski–angielski
• angielski–polski polski–angielski
• angielski–portugalski portugalski–angielski
• angielski–hiszpański hiszpański–angielski
• English–Swedish Swedish–English
• Dictionary +Plus Listy słów
• biznes    Noun
• Wszystkie tłumaczenia

To add letter of application to a word list please sign up or log in.

Dodaj letter of application do jednej z poniższych list lub utwórz nową.

{{message}}

Coś poszło nie tak.

Pojawił się problem z wysłaniem raportu.

• Search Search Please fill out this field.

What Is a Letter of Explanation for a Mortgage?

Why do you need a letter of explanation, how to write a letter of explanation.

• Frequently Asked Questions (FAQs)

The Bottom Line

• Buying a Home

How to Write a Letter of Explanation for a Mortgage

A letter of explanation may help you get approved for a mortgage

Wichayada Suwanachun / Getty Images

When you apply for a mortgage, the lender will review information such as your credit history, employment, income, assets, investments, and outstanding debts. But your financial statements, credit report, and tax returns don’t always tell the full story about your financial situation.

A letter of explanation helps clarify any information that might give a lender pause. Learn more about when you might need a letter of explanation for a mortgage application and how to write the letter. 

Key Takeaways

• Some mortgage lenders may request a letter of explanation if there is confusion about any details in your financial documents.
• If you’re applying for a government-backed mortgage like an FHA or VA loan, a letter of explanation may be required. 
• Even if your lender doesn’t require a letter of explanation, including one may help clarify details in your mortgage application that could otherwise lead to denial. 
• You may need to include supporting documentation to give your letter of explanation more credibility.

A letter of explanation, sometimes referred to as an LOX or LOE by mortgage underwriters, is similar to a cover letter for a job application. Just as a cover letter expands on the details in your resume, a mortgage letter of explanation further explains your financial documents. For example, you might need to explain that last year’s income wasn’t typical because you took a sabbatical, or that you missed a payment due to a healthcare emergency.  

“A letter of explanation is not a standard or defaulted requirement for a mortgage application,” said Shmuel Shayowitz, president and chief lending officer at Approved Funding, a licensed mortgage bank and direct lender. However, your mortgage lender may request one if your financial information needs clarification. If you’re applying for a government-backed loan, the agency that insures the loan may also require a letter of explanation in certain situations. 

Even if it’s not required, it can’t hurt to include a letter of explanation with your mortgage application. “The default for some processors and underwriters is to assume the worst or to err on the side of caution when something is unclear or complicated,” Shayowitz said. “Being proactive with explanation letters can go a long way in helping a loan processor and mortgage underwriter understand something that might be confusing.”

In particular, the following situations merit the inclusion of a letter of explanation. 

Erratic Income or Gaps in Employment

Most lenders look for a consistent and reliable income that ensures you can keep up with your mortgage payments. If you were unemployed or did not receive income for more than a month over the last two years, you should include a letter of explanation that details the reason you weren’t working, such as:

• Childbirth or caring for another family member
• Pursuing further education
• Being laid off
• Being self-employed or working in a seasonal industry
• Going out of business or downsizing

If you were able to make regular payments on your debts and support yourself with savings during that time, be sure to mention that in the letter.

Issues on Your Credit Report

If your credit report shows red flags, like missed payments or defaults, bankruptcies , or foreclosures , it’s essential to include a letter of explanation noting what happened and why it’s not likely to reoccur. You’ll also want to include the date of the event, the name of your creditor, and the account number associated with the delinquent debt.

No Rental or Mortgage Payment History

If you have been living with a friend or family member rather than making monthly housing payments for your own place, the homeowner you live with will need to write a letter of explanation. The homeowner should explain that they haven’t charged you rent and include the dates you lived on their property before signing the letter. 

Profits or Losses From Farming

If you filed Schedule F with your tax return because you earned or lost income from a farm property, you’re required to include a letter of explanation. Include the address of the farm and clearly state that it is not located on the property you’re buying with the mortgage. 

Large Deposits or Withdrawals

If you received a large deposit to your bank account, the lender might think you accepted a gift or a loan from a family member and wonder if your income is sufficient without additional help. A large withdrawal may also indicate to the lender that you’re having financial troubles. There are other reasons for large bank transactions, however. For example, you may have received a bonus from your employer, liquidated investments at an opportune time, or withdrawn funds for a home renovation. Include a letter of explanation that shows why the atypical transaction occurred. 

Possible Occupancy Questions

Lenders underwrite vacation homes and investment properties differently from primary residences. It’s illegal to misrepresent your occupancy intentions. If you’re applying for a primary residence mortgage for a property located far from your employer, or if you’re applying for a second home mortgage for a property in close proximity to your primary residence, the lender may think you intend to use it as a rental property. 

If you think the lender may have questions about how you intend to use the property, include a letter of explanation.  

Address Discrepancies

If any of your documents show a different address, you should include a letter of explanation with a reason for the discrepancy to assure the lender you’re not a victim of identity theft.  

“Your explanation letter should be specific, precise, and well-communicated,” said Shayowitz. Avoid general statements about your ability to manage your finances and speak to a specific issue. 

For example, if you missed a payment, explain why it happened, point to your otherwise positive payment history, and state when you brought your account back up to date. A statement like “I make every effort to stay on top of my payments” is too vague because it won’t provide the lender with the details they need to make an approval decision. 

You may need to attach supporting documentation as well. For example, if you’re buying a home far away from work, you might want to include a letter from your employer that shows your remote work arrangement. If you took out a large withdrawal to pay for landscaping in order to prep your home for sale, include a receipt from the landscaping company. If you missed a payment due to being hospitalized, include medical records. 

You’ll also want to include the following elements:

• Your name, address, and phone number
• The lender’s name, address, and phone number
• The mortgage application number
• Your explanation, which should refer to the attached documents that support it
• Your signature and the date

Example of a Letter of Explanation

Today’s Date

Example Lender Lender Address

Loan Application Number

RE: Anna Smith’s Mortgage Application

To Whom It May Concern,

I am writing to explain my gap in employment that occurred between 02/15/2023 and 04/10/2023. 

My mother was admitted to the hospital for surgery on 02/09/2023 after a fall. I applied for Family and Medical Leave on 02/10/2023 in order to care for my mother during her recovery. My employer approved FMLA-protected leave on 02/14/2023. I have attached the approval letter from my employer, which grants up to 12 weeks of leave. 

During my period of unpaid leave, I relied on sufficient reserves in my savings account as well as my husband’s income to cover my expenses. I didn’t miss any payments on my credit cards or auto loan. I returned to work on 04/11/2023. In the following months, I made several deposits into my Capital One savings account to replenish my reserves. 

Anna Smith’s Address Anna Smith’s Phone Number

How Do You Start a Letter of Explanation?

At the top of the letter, include the date, the name of the lender, the lender’s address, and your loan application number. In the next line, write “Re: (Your Name)’s Mortgage Application.” Address the letter to “To Whom It May Concern,” and note which issue you are addressing in the first sentence. 

What If Your Mortgage Letter of Explanation Is Rejected?

If your letter of explanation is rejected, you have a few options. If the information you provided wasn’t sufficient, you can write a more detailed letter and include supporting documentation. You can also try applying for a mortgage from a different lender. If you’re struggling to get approved , you may need to resolve whatever problem you’re explaining in the letter before trying again. 

How Long Should a Letter of Explanation Be?

A letter of explanation only needs to be long enough to convey the details of the issue you’re explaining. For example, if you missed a payment, you should include the date of the missed payment, the reason you missed it, and how you’ve remedied or plan to remedy the issue. A few sentences may suffice, or your letter may run longer if it’s a complex situation and you need to reference supporting documents. 

Is a Letter of Explanation Necessary?

A letter of explanation is not always necessary. If there are no red flags in your financial history, you may be approved without a letter of explanation. But if there are issues that might raise concerns, you’ll want to include a letter of explanation. You’ll also need to write a letter of explanation if the lender requests one, or if it’s required by the government agency backing the mortgage. For example, for all FHA-approved mortgages , the Department of Housing and Urban Development (HUD) requires a letter of explanation from borrowers who have collection accounts or judgments.

A letter of explanation can help your mortgage application process, especially if you have had financial issues you want to clarify. A good letter will address the specific issues and explain why they are not likely to reoccur. Consider consulting a real estate professional for more guidance in writing a letter of explanation that fits your needs.

Chase. " What Documents Are Needed to Apply for a Mortgage? " 

Citizens Bank. " How to Write a Letter of Explanation ." 

National Association of Mortgage Underwriters. " Best Practices: Letters of Explanation ." 

Ally Bank. " How to Write a Letter of Explanation ." 

Newcastle Loans. " Principal Residence, Second Home, or Investment Property? " 

Griffin Funding. " Letter of Explanation ." 

• Terms of Service
• Editorial Policy
• Privacy Policy
• Your Privacy Choices

Letters to the Editor | Letters: Misguided plan | Repurpose building |…

Share this:.

• Click to share on Facebook (Opens in new window)
• Click to share on Twitter (Opens in new window)
• Click to print (Opens in new window)
• Click to email a link to a friend (Opens in new window)
• Click to share on Reddit (Opens in new window)

Today's e-Edition

• Opinion Columnists
• Endorsements

Breaking News

Letters to the editor | marian robinson dies at 86; michelle obama’s mother lived with first family at white house, letters to the editor, letters to the editor | letters: misguided plan | repurpose building | a real choice | even application | map for future, mercury news letters to the editor for may 30, 2024.

BART bailout plan is misguided

Re: “ Bay Area bailout of BART, MUNI goes off the rails ” (Page A12, May 26).

As a local elected official, I worked tirelessly for almost three decades to bring BART into Santa Clara County. But after watching the BART Board completely mismanage BART finances for almost the same period of time, I’m dumbfounded that anyone would think it’s a reasonable proposition for Santa Clara County taxpayers to bail out the BART board malfeasance with a 30-year tax measure.

Exactly why my state senator, Aisha Wahab, would sponsor such a bill is hard to understand. Fortunately, state Sen. Dave Cortese, Mayor Matt Mahan and Supervisor Cindy Chavez have stepped up and called out this legislation as the financially irresponsible bill that it is.

Once this misguided legislation is defeated, perhaps Wahab can turn her attention to figuring out a way to finally get Santa Clara County a permanent seat on the BART board.

Robert Livengood Former Mayor of Milpitas

Repurposing building would be faster, cheaper

Re: “ 100-plus homes might replace big office building on key San Jose site ” (Page B1, May 25).

Considering our current shortage of affordable housing this article makes no sense.

The plans call for first demolishing the current building and then starting from scratch, thus adding cost to the project. At least one of the engineers/architects in the Bay Area must be able to come up with a plan to modify the existing structure for residential use.

Interior space could be used for server farms or the like that would generate profit for the project.

Marion Baldwin San Jose

Vouchers would give parents a real choice

Re: “ Yes, end teacher union’s control ” (Page A13, May 26).

It was never the intention of our country’s founders that education be controlled by one political party through the teachers unions.

Competition is the hallmark of America’s success, and it strains credulity to say schools run by the teachers unions couldn’t be improved with competition from private schools. Poor parents deserve the right to move their children from disruptive public schools into private schools more conducive to learning and socializing.

Parents should receive vouchers equal to the money saved by not having their children in public school.

Ed Kahl Woodside

International law should apply evenly

I for one want to live in a world where everyone, including the leaders of nations, is held accountable for upholding the rules of international law.

Just as Vladimir Putin will be held accountable for the slaughter of innocent civilians in Ukraine, so must the leaders of Hamas be held accountable for the atrocities of Oct. 7. In the same vein the slaughter of tens of thousands of innocent Palestinians in Gaza is a war crime that sits at the feet of Benjamin Netanyahu. While most of the world will agree that Israel has every right of self-defense and is fully entitled to go after Hamas, international law requires they take every reasonable step to protect innocent civilians, which Israel has not done.

It is a tragedy that so many politicians want to attack the prosecutor of the International Criminal Court for just doing his job.

Chris Worrall San Jose

Gettysburg article offers map for future

Re: “ Gettysburg Address offers special significance on this Memorial Day ” (Page A12, May 26).

Thanks to the Mercury News for publishing Professor Rahim’s excellent and important article.

I doubt whether that opinion piece would have been published in Florida or Texas, which is sad.

Actually, it is doubly sad since the article pointed out what our priorities have been historically and what they should be in the future.

George Licina Santa Rosa

• Report an error
• Policies and Standards

More in Letters to the Editor

Submit Your Letter to the Editor

Letters to the Editor | Letters: Bike lane | National RCV | Ignoring Trump | Failed strategy

Letters to the Editor | Letters: Historic verdict | Airport numbers | Third candidate | Tax cuts | International law

Letters to the Editor | Letters: Good hires | Two-tier health care | Intractable foes

• Share full article

There’s a Program to Cancel Private Student Debt. Most Don’t Know About It.

A nonprofit group is publicizing the relief program that Navient, a large lender, created for students who attended for-profit schools that misled them.

Danielle Maynard took both federal and private loans to attend the New England Institute of Art. Credit... Simon Simard for The New York Times

Supported by

By Stacy Cowley

• May 30, 2024 Updated 4:01 p.m. ET

More than a million borrowers who were defrauded by for-profit schools have had billions of dollars in federal student loans eliminated through a government aid program. But people with private loans have generally been excluded from any relief — until recently.

Navient, a large owner of private student loan debt, has created, but not publicized, a program that allows borrowers to apply to have their loans forgiven. Some who succeeded have jubilantly shared their stories in chat groups and other forums.

“I cried, a lot,” said Danielle Maynard, who recently received notice from Navient that nearly $40,000 in private loans she owed for her studies at the New England Institute of Art in Brookline, Mass., would be wiped out.

Navient, based in Wilmington, Del., has not publicized the discharge program that helped Ms. Maynard. Other borrowers have complained on social media about difficulties getting an application form. When asked about the program and the criticisms, a company spokesman said, “Borrowers may contact us at any time, and our advocates can assist.”

So a nonprofit group of lawyers has stepped in to ease the process: On Thursday, the Project on Predatory Student Lending , an advocacy group in Boston, published Navient’s application form and an instruction guide for borrowers with private loans who are seeking relief on the grounds that their school lied to them.

“We want to level the playing field and let people know, instead of having it be this closely held secret,” said Eileen Connor, the group’s director.

Senator Elizabeth Warren, Democrat of Massachusetts, and eight Senate colleagues sent Navient a letter last month with a lengthy list of questions about the program. Navient responded, but did not directly address many of the senators’ questions.

Navient’s new program — which it calls a “school misconduct discharge” — is something of a private parallel to a federal program known as “ borrower defense to repayment ,” which allows those who were seriously misled by their schools to have their federal student loans eliminated. Under President Biden, the Education Department revived the relief program and used it to cancel nearly $30 billion in debt owed by 1.6 million borrowers.

The Project on Student Predatory Lending backed a class-action lawsuit against the government that led to a 2022 settlement under which nearly 200,000 borrowers had their federal student debts eliminated. Ms. Maynard, who is 34, shed $38,000 in federal loans through that deal.

But she, like many borrowers, remained mired in private student loans. Ms. Maynard paid $700 a month to Navient for more than a decade for her private loans.

For nearly a decade, in the early 2000s, Navient — then known as Sallie Mae — struck deals with for-profit schools to issue private loans to their students. Lawsuits from state attorneys general later accused Navient of making those loans knowing that most would never be repaid . Many schools indemnified Navient for the private loans, agreeing to defray the company’s loss if the loans defaulted.

In 2022, Navient settled with 40 state attorneys general and canceled $1.7 billion in debt on those private loans — but only for borrowers who had already defaulted. Because those debts were unlikely to ever be repaid, the deal cost Navient only $50 million, the company said in regulatory filings. Borrowers who had kept paying their bills, like Ms. Maynard, remained stuck.

But a pressure campaign from lawmakers, federal regulators and lawyers representing borrowers prompted the company to create the “school misconduct discharge.”

Navient began sending a 12-page application form this year to some borrowers who complained about their private loans. The document lists dozens of types of impropriety by schools — such as inflating job placement rates and graduates’ earnings, or misrepresenting their educational programs — and asks borrowers to choose which apply to their experience. Applicants are required to submit documentation for their claims.

After Ms. Maynard’s federal loans were eliminated last year, she stopped making payments on her private loans and called Navient, seeking relief options.

A few months ago, Navient sent her its misconduct discharge form. Weeks later, she received the notice that her application had been approved.

The senators’ letter to Navient called its private loan discharge process “burdensome and confusing.” It also asserted a legal basis for borrowers’ claims that their loans should be canceled: the so-called holder-in-due-course rule, a 1975 regulation by the Federal Trade Commission that lets those who use certain types of loans contest the debt if the goods they bought were fraudulent.

The response that Navient sent the senators acknowledged the rule as a ground for claims. “We are committed to canceling all loans that meet the Holder Rule criteria,” Navient’s chief executive, David Yowan, wrote in the letter, which was reviewed by The New York Times.

The letter said Navient had discharged “some” loans for borrowers who raised claims under the rule, and had “recently introduced an enhanced process for borrowers to seek discharge,” which it described as “still in its early stages.”

Mr. Yowan told investors on a conference call in January that Navient had put $35 million in reserve for losses on school-misconduct claims. He cited “new regulatory expectations” as the reason. Navient has not disclosed how much of its $16.6 billion private student loan portfolio consists of loans that could be eligible for the debt cancellation program.

Senator Warren said in a written statement this week, “Navient has admitted responsibility for canceling their predatory loans but set up a process for cancellation that’s impossibly confusing for borrowers.”

Some trying to navigate the process have already failed.

Thomas Jean-Mastej had his federal loans for studies at American InterContinental University — a school cited by the Federal Trade Commission for deceptive recruiting tactics — canceled through the borrower defense program. In March, he filed a complaint with the Consumer Financial Protection Bureau about his private loans.

Navient responded by sending him the school misconduct discharge application form, which he submitted in mid-April. On May 10, he received a denial notice. It said Navient “carefully considers a variety of factors in determining whether a private loan should be discharged” but did not specify why his claim was rejected.

Mr. Jean-Mastej said he had hoped Navient “would have some compassion” — especially since he has, over the years, already repaid the company nearly $17,000 for a loan of just less than $7,000. He still owes almost $4,000.

Scores of others are in limbo, awaiting a response. Thomas Carter learned about Navient’s program on a Reddit forum . Following the steps recommended there, he filed a consumer bureau complaint, then received an application form from Navient. He sent it in three weeks ago.

“My thoughts were, like, why is this such a secret?” said Mr. Carter, who attended the Art Institute of York, in Pennsylvania. “You had to go through all these hoops to get the application.”

Stacy Cowley is a business reporter who writes about a broad array of topics related to consumer finance, including student debt, the banking industry and small business. More about Stacy Cowley

Explore Our Business Coverage

Dive deeper into the people, issues and trends shaping the world of business..

What Happened to Ad-Free TV?: ​​Not long ago, streaming TV came with a promise: Sign up, and commercials will be a thing of the past. Here’s why ads are almost everywhere on streaming services now .

London Moves to Revive Its Reputation: ​​As fears have grown that the city is losing its attractiveness for publicly traded businesses, Britain’s government is making changes  to bring them back.

What Do Elite Students Want?: ​​An increasing number of students desire “making a bag” (slang for a sack of money) as quickly as possible. Many of Harvard’s Generation Z say “sellout” is not an insult, appearing to be strikingly corporate-minded .

D.C.’s Empty Offices: ​​Workers in Washington have returned to the office slowly , with a pervasive and pronounced effect on the local economy.

Trump’s Financial Future: ​​Donald Trump has treated Trump Media, which runs his social network Truth Social, as a low-cost sideshow. Now a big portion of his wealth hinges on its success .

Advertisement