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Two short, polite emails for the first days after a layoff. Change everything in [square brackets], then copy or open it in your email app.
Evidence reviewed October 2, 2026.
Send this to HR or your manager in your first days after the layoff. It asks for your final pay date, unused paid time off, severance terms and the date your benefits end, so you have them in writing.
Final pay, unused paid time off and severance depend on your state and your employer's policy. This email only asks what applies to you.
For federal student loans. Send it through your servicer's secure message center, or by email if that is how they take requests.
Federal Student Aid says that if you were recently laid off, you can ask your servicer to recalculate your payment, which may lower it. Leave your Social Security number out of email. Source: Federal Student Aid.