should i put my cover letter or resume first

• Cover Letter Tips

Should You Combine Your Cover Letter and Resume into One Document?

The internet has impacted virtually every area of life, including the job search process. Gone are the days when a job seeker would simply hand an employer a cover letter and resume in paper form. Today, more companies than ever accept digital copies of those job search documents.

In fact, many companies and employers now only accept emailed digital cover letters and resumes so they can make use of applicant tracking systems (ATS). Unfortunately, there’s been little effort to standardize submission processes, and that can make it a little confusing for the average job seeker.

For example, how should you submit your emailed resume and cover letter? Should you send them separately or combine them into one document? In this post, we’ll examine both options and offer the advice you need to make the best decision.

What’s the difference between a cover letter and resume?

Before you decide whether to combine your cover letter and resume into one document, it is helpful to make sure that you fully understand each of these important tools. The fact is that each of these documents has its own role to play in the job search process, and they have some major differences:

Each of these documents serves a distinct purpose in the job search process. Resumes are designed to provide an employer with an easy way to quickly assess your qualifications. The main purpose of a cover letter is to help the employer understand your motivations, goals, and personality. Both are important documents, but they are not interchangeable.

Your cover letter should be a targeted document that focuses on your qualifications for a specific job role. It should contain information about why you are the best candidate for the position and what you hope to achieve for the employer if you are hired. Your resume is more of a marketing tool that highlights your skills, relevant work experience , and educational qualifications in an easily digested summarized format.

Structure and format

These two documents also have dramatically different structures and formats . Your resume will be divided into specific sections for easier consumption and will include bullet point lists of relevant skills and achievements. Cover letters look more like any other written communication, conveying your message in full sentences and paragraphs.

Cover letter and resume: to combine or not to combine?

Let’s get right to the main question here: should you combine your cover letter and resume into one document? As a general rule, you should try to avoid it wherever possible. Since resumes and cover letters serve two very different roles in the job search process, they should be treated as separate documents. The only time you should even consider combining these two documents is when the company has instructed you to do so.

Review the instructions

Whenever possible, it’s a good idea to get the submission guidelines for the position straight from the source. That means asking the company’s hiring manager how your resume and cover letter should be sent. If there are clear instructions, it’s important to follow them to the letter to maximize your chances of receiving the right type of attention. On those rare occasions when a company wants a combined document, the job posting will usually include that instruction.

Why you should not combine these two documents

In most instances, however, you will discover that the instructions are vague. Perhaps the only instruction is that your resume must be emailed. If that’s the case, then you should always choose to leave these two documents as separate files. There are several very good reasons to do so:

If you include these two tools in one document, applicant tracking systems may reject it. That can happen if the ATS mistakes your cover letter for a resume and assesses it based on its rules for resume approval.

Hiring managers often want to go directly to your resume to review your qualifications. If your cover letter is part of that document, it could be a distraction that frustrates your reader.

Your cover letter and resume serve different purposes. Keeping them separate helps to ensure that each document receives the attention it deserves.

What if employers request that your cover letter and resume be combined?

As we noted above, there may be times when a specific employer requests that a resume and cover letter be sent as one document. Obviously, that request should be honored if you want to be considered for an interview. The important thing then is to ensure that you combine them properly. The following tips can help:

Decide which document you want the employer to see first

Since the cover letter serves as your introduction, there is a case to be made for putting it in the front of the resume. If you want to make sure that the ATS scores your resume properly, however, you may want to put the resume at the beginning of the document. That can also help hiring managers quickly access your qualifications.

Create a new document

Make sure that you create an entirely new document for your combined file. That will enable you to keep them separate for other companies and submissions. Then copy and paste your resume and cover letter into this new document. Be sure to save the file with an appropriate file name. For example: JohnSmithResumeCoverLetter.docx or JohnSmithResumeCoverLetter.pdf.

Use proper formatting

When you paste each document into your combined file, make sure that you retain the original formatting. Also, be sure to include a page break at the end of the first document so that the next document begins on a fresh page.

Submit the combined file

Once you have your new combined file, submit it to the company. If the online job posting includes submission instructions, follow them to the letter. Otherwise, simply send it to the appropriate email address.

How to email your cover letter and resume

When emailing your cover letter and resume, either include the cover letter as an attachment or copy and paste its text into the email message. Don’t do both. 

It is generally recommended that you submit both the resume and cover letter as file attachments rather than having any part of them in the body of your email message. What you can include in the email text is confirmation that you have attached the resume and cover letter files.

Of course, you also need to decide whether you want to submit a Word document or a PDF file. Once again, review the job board instructions to see what the company is requesting. If there is no specific option listed, then the best thing to do is to submit each document in a Word file. 

Sample cover letter and resume template

Below, you will find a resume and cover letter template that you can use to ensure that your job search documents contain the information that employers want to see. You can use these templates to guide you as you create your own cover letter and resume:

Resume template

[Your first and last name]

[Your Phone number]

[Your Email address]

Professional Summary

[No more than three sentences highlighting your qualifications, experience, and achievements.]

Core Competencies

[Bullet point list of your relevant skills. Use multiple columns to list 12-15 top skills ]

Employment History

[Company name], [city], [state] | [Employment dates]

[Job title]

Job responsibility and achievement

[Repeat employment history for additional jobs, in reverse chronological order]

[Name of school], [city], [state]

[Degree], [major]

[Date you graduated] It should be noted that you don’t have to include education dates if you graduated more than one year ago. 

Certifications/Licenses

[Name of certification or license, organization providing it, and relevant dates]

Awards and Achievements

[Award, honor, achievement]

Cover letter template

[Your city and state]

[Recipient's first and last name]

[Company name]

[Company address]

Dear [Recipient's name],

My name is [your name] and I am interested in discussing the open [position name] position at your company. I have [length of experience] experience as a [your profession] and am confident that I can provide a great deal of value for your company if hired.

I have recently been employed at [relevant employer name], where I was responsible for [cite job duties using keywords that match the skills needed in the open position]. Prior to that, I [provide examples of job duties that show your qualifications to fill the company’s open job]. I would love to have the opportunity to use these skills as part of your team.

I have included my resume with this letter so that you can evaluate my qualifications and experience at your leisure. I appreciate your consideration and look forward to having the opportunity to discuss the position with you in greater detail.

Respectfully,

[Your name]

You should choose to send your cover letter and resume as separate documents, unless the company has instructed you to combine them into a single file. More importantly, make sure that you get those critical job search tools into the right hands so that you can increase your chances of landing an interview!

Want to know whether your resume has what it takes to capture a hiring manager’s interest? Get a free resume review from our team of experts today!

Recommended Reading:

How to Tailor Your Resume to Different Positions (Examples)

How long should a resume be in 2023?

How to Get Your Resume Past the ATS Scans

Ken Chase, Freelance Writer

During Ken's two decades as a freelance writer, he has covered everything from banking and fintech to business management and the entertainment industry. His true passion, however, has always been focused on helping others achieve their career goals with timely job search and interview advice or the occasional resume consultation. When he's not working, Ken can usually be found adventuring with family and friends or playing fetch with his demanding German Shepherd. Read more resume advice from Ken on  ZipJob’s blog .

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How to write a great cover letter in 2024: tips and structure

A cover letter is a personalized letter that introduces you to a potential employer, highlights your qualifications, and explains why you're a strong fit for a specific job.

Hate or love them, these brief documents allow job seekers to make an impression and stand out from the pile of other applications. Penning a thoughtful cover letter shows the hiring team you care about earning the position.

Here’s everything you need to know about how to write a cover letter — and a great one, at that.

What is a cover letter and why does it matter?

A professional cover letter is a one-page document you submit alongside your CV or resume as part of a job application. Typically, they’re about half a page or around 150–300 words.

An effective cover letter doesn’t just rehash your CV; it’s your chance to highlight your proudest moments, explain why you want the job, and state plainly what you bring to the table.

Show the reviewer you’re likable, talented, and will add to the company’s culture . You can refer to previous jobs and other information from your CV, but only if it helps tell a story about you and your career choices .

What 3 things should you include in a cover letter?

A well-crafted cover letter can help you stand out to potential employers. To make your cover letter shine, here are three key elements to include:

1. Personalization

Address the hiring manager or recruiter by name whenever possible. If the job posting doesn't include a name, research to find out who will be reviewing applications. Personalizing your cover letter shows that you've taken the time to tailor your application to the specific company and role.

2. Highlight relevant achievements and skills

Emphasize your most relevant skills , experiences, and accomplishments that directly relate to the job you're applying for. Provide specific examples of how your skills have benefited previous employers and how they can contribute to the prospective employer's success. Use quantifiable achievements , such as improved efficiency, cost savings, or project success, to demonstrate your impact.

3. Show enthusiasm and fit

Express your enthusiasm for the company and the position you're applying for. Explain why you are interested in this role and believe you are a good fit for the organization. Mention how your values, goals, and skills align with the company's mission and culture. Demonstrating that you've done your research can make a significant impression.

What do hiring managers look for in a cover letter?

Employers look for several key elements in a cover letter. These include:

Employers want to see that your cover letter is specifically tailored to the position you are applying for. It should demonstrate how your skills, experiences, and qualifications align with the job requirements.

Clear and concise writing

A well-written cover letter is concise, easy to read, and error-free. Employers appreciate clear and effective communication skills , so make sure your cover letter showcases your ability to express yourself effectively.

Demonstrated knowledge of the company

Employers want to see that you are genuinely interested in their organization. Mention specific details about the company, such as recent achievements or projects, to show that you are enthusiastic about joining their team.

Achievements and accomplishments

Highlight your relevant achievements and accomplishments that demonstrate your qualifications for the position. Use specific examples to showcase your skills and show how they can benefit the employer.

Enthusiasm and motivation

Employers want to hire candidates who are excited about the opportunity and motivated to contribute to the company's success. Express your enthusiasm and passion for the role and explain why you are interested in working for the company.

Professionalism

A cover letter should be professional in tone and presentation. Use formal language, address the hiring manager appropriately, and follow standard business letter formatting.

How do you structure a cover letter?

A well-structured cover letter follows a specific format that makes it easy for the reader to understand your qualifications and enthusiasm for the position. Here's a typical structure for a cover letter:

Contact information

Include your name, address, phone number, and email address at the top of the letter. Place your contact information at the beginning so that it's easy for the employer to reach you.

Employer's contact information

Opening paragraph, middle paragraph(s), closing paragraph, complimentary close, additional contact information.

Repeat your contact information (name, phone number, and email) at the end of the letter, just in case the employer needs it for quick reference.

Remember to keep your cover letter concise and focused. It should typically be no more than one page in length. Proofread your letter carefully to ensure it is free from spelling and grammatical errors. Tailor each cover letter to the specific job application to make it as relevant and impactful as possible.

How to write a good cover letter (with examples)

The best letters are unique, tailored to the job description, and written in your voice — but that doesn’t mean you can’t use a job cover letter template.

Great cover letters contain the same basic elements and flow a certain way. Take a look at this cover letter structure for ref erence while you construct your own.

1. Add a header and contact information

While reading your cover letter, the recruiter shouldn’t have to look far to find who wrote it. Your document should include a basic heading with the following information:

• Pronouns (optional)
• Location (optional)
• Email address
• Phone number (optional)
• Relevant links, such as your LinkedIn profile , portfolio, or personal website (optional)

You can pull this information directly from your CV. Put it together, and it will look something like this:

Christopher Pike

San Francisco, California

[email protected]

Alternatively, if the posting asks you to submit your cover letter in the body of an email, you can include this information in your signature. For example:

Warm regards,

Catherine Janeway

Bloomington, Indiana

[email protected]

(555) 999 - 2222

2. Include a personal greeting

Always begin your cover letter by addressing the hiring manager — preferably by name. You can use the person’s first and last name. Make sure to include a relevant title, like Dr., Mr., or Ms. For example, “Dear Mr. John Doe.”

Avoid generic openings like “To whom it may concern,” “Dear sir or madam,” or “Dear hiring manager.” These introductions sound impersonal — like you’re copy-pasting cover letters — and can work against you in the hiring process.

Be careful, though. When using someone’s name, you don’t want to use the wrong title or accidentally misgender someone. If in doubt, using only their name is enough. You could also opt for a gender-neutral title, like Mx.

Make sure you’re addressing the right person in your letter — ideally, the person who’s making the final hiring decision. This isn’t always specified in the job posting, so you may have to do some research to learn the name of the hiring manager.

3. Draw them in with an opening story

The opening paragraph of your cover letter should hook the reader. You want it to be memorable, conversational, and extremely relevant to the job you’re pursuing. 

There’s no need for a personal introduction — you’ve already included your name in the heading. But you should make reference to the job you’re applying for. A simple “Thank you for considering my application for the role of [job title] at [company],” will suffice.

Then you can get into the “Why” of your job application. Drive home what makes this specific job and this company so appealing to you. Perhaps you’re a fan of their products, you’re passionate about their mission, or you love their brand voice. Whatever the case, this section is where you share your enthusiasm for the role.

Here’s an example opening paragraph. In this scenario, you’re applying for a digital marketing role at a bicycle company:

“Dear Mr. John Doe,

Thank you for considering my application for the role of Marketing Coordinator at Bits n’ Bikes.

My parents bought my first bike at one of your stores. I’ll never forget the freedom I felt when I learned to ride it. My father removed my training wheels, and my mom sent me barrelling down the street. You provide joy to families across the country — and I want to be part of that.”

4. Emphasize why you’re best for the job

Your next paragraphs should be focused on the role you’re applying to. Highlight your skill set and why you’re a good fit for the needs and expectations associated with the position. Hiring managers want to know what you’ll bring to the job, not just any role.

Start by studying the job description for hints. What problem are they trying to solve with this hire? What skills and qualifications do they mention first or more than once? These are indicators of what’s important to the hiring manager.

Search for details that match your experience and interests. For example, if you’re excited about a fast-paced job in public relations, you might look for these elements in a posting:

• They want someone who can write social media posts and blog content on tight deadlines
• They value collaboration and input from every team member
• They need a planner who can come up with strong PR strategies

Highlight how you fulfill these requirements:

“I’ve always been a strong writer. From blog posts to social media, my content pulls in readers and drives traffic to product pages. For example, when I worked at Bits n’ Bikes, I developed a strategic blog series about bike maintenance that increased our sales of spare parts and tools by 50% — we could see it in our web metrics.

Thanks to the input of all of our team members, including our bike mechanics, my content delivered results.”

5. End with a strong closing paragraph and sign off gracefully

Your closing paragraph is your final chance to hammer home your enthusiasm about the role and your unique ability to fill it. Reiterate the main points you explained in the body paragraphs and remind the reader of what you bring to the table.

You can also use the end of your letter to relay other important details, like whether you’re willing to relocate for the job.

When choosing a sign-off, opt for a phrase that sounds professional and genuine. Reliable options include “Sincerely” and “Kind regards.”

Here’s a strong closing statement for you to consider:

“I believe my enthusiasm, skills, and work experience as a PR professional will serve Bits n’ Bikes very well. I would love to meet to further discuss my value-add as your next Director of Public Relations. Thank you for your consideration. I hope we speak soon.

Tips to write a great cover letter that compliments your resume

When writing your own letter, try not to copy the example excerpts word-for-word. Instead, use this cover letter structure as a baseline to organize your ideas. Then, as you’re writing, use these extra cover letter tips to add your personal touch:

• Keep your cover letter different from your resume : Your cover letter should not duplicate the information on your resume. Instead, it should provide context and explanations for key points in your resume, emphasizing how your qualifications match the specific job you're applying for.
• Customize your cover letter . Tailor your cover letter for each job application. Address the specific needs of the company and the job posting, demonstrating that you've done your homework and understand their requirements.
• Show enthusiasm and fit . Express your enthusiasm for the company and position in the cover letter. Explain why you are interested in working for this company and how your values, goals, and skills align with their mission and culture.
• Use keywords . Incorporate keywords from the job description and industry terms in your cover letter. This can help your application pass through applicant tracking systems (ATS) and demonstrate that you're well-versed in the field.
• Keep it concise . Your cover letter should be succinct and to the point, typically no more than one page. Focus on the most compelling qualifications and experiences that directly support your application.
• Be professional . Maintain a professional tone and structure in your cover letter. Proofread it carefully to ensure there are no errors.
• Address any gaps or concerns . If there are gaps or concerns in your resume, such as employment gaps or a change in career direction, briefly address them in your cover letter. Explain any relevant circumstances and how they have shaped your qualifications and determination.
• Provide a call to action . Conclude your cover letter with a call to action, inviting the employer to contact you for further discussion. Mention that you've attached your resume for their reference.
• Follow the correct format . Use a standard cover letter format like the one above, including your contact information, a formal salutation, introductory and closing paragraphs, and your signature. Ensure that it complements your resume without redundancy.
• Pick the right voice and tone . Try to write like yourself, but adapt to the tone and voice of the company. Look at the job listing, company website, and social media posts. Do they sound fun and quirky, stoic and professional, or somewhere in-between? This guides your writing style.
• Tell your story . You’re an individual with unique expertise, motivators, and years of experience. Tie the pieces together with a great story. Introduce how you arrived at this point in your career, where you hope to go , and how this prospective company fits in your journey. You can also explain any career changes in your resume.
• Show, don’t tell . Anyone can say they’re a problem solver. Why should a recruiter take their word for it if they don’t back it up with examples? Instead of naming your skills, show them in action. Describe situations where you rose to the task, and quantify your success when you can.
• Be honest . Avoid highlighting skills you don’t have. This will backfire if they ask you about them in an interview. Instead, shift focus to the ways in which you stand out.
• Avoid clichés and bullet points . These are signs of lazy writing. Do your best to be original from the first paragraph to the final one. This highlights your individuality and demonstrates the care you put into the letter.
• Proofread . Always spellcheck your cover letter. Look for typos, grammatical errors, and proper flow. We suggest reading it out loud. If it sounds natural rolling off the tongue, it will read naturally as well.

Common cover letter writing FAQs

How long should a cover letter be.

A cover letter should generally be concise and to the point. It is recommended to keep it to one page or less, focusing on the most relevant information that highlights your qualifications and fits the job requirements.

Should I include personal information in a cover letter?

While it's important to introduce yourself and provide your contact information, avoid including personal details such as your age, marital status, or unrelated hobbies. Instead, focus on presenting your professional qualifications and aligning them with the job requirements.

Can I use the same cover letter for multiple job applications?

While it may be tempting to reuse a cover letter, it is best to tailor each cover letter to the specific job you are applying for. This allows you to highlight why you are a good fit for that particular role and show genuine interest in the company.

Do I need to address my cover letter to a specific person?

Whenever possible, it is advisable to address your cover letter to a specific person, such as the hiring manager or recruiter. If the job posting does not provide this information, try to research and find the appropriate contact. If all else fails, you can use a generic salutation such as "Dear Hiring Manager."

Should I include references in my cover letter?

It is generally not necessary to include references in your cover letter. Save this information for when the employer explicitly requests it. Instead, focus on showcasing your qualifications and achievements that make you a strong candidate for the position.

It’s time to start writing your stand-out cover letter

The hardest part of writing is getting started. 

Hopefully, our tips gave you some jumping-off points and confidence . But if you’re really stuck, looking at cover letter examples and resume templates will help you decide where to get started. 

There are numerous sample cover letters available online. Just remember that you’re a unique, well-rounded person, and your cover letter should reflect that. Using our structure, you can tell your story while highlighting your passion for the role. 

Doing your research, including strong examples of your skills, and being courteous is how to write a strong cover letter. Take a breath , flex your fingers, and get typing. Before you know it, your job search will lead to a job interview.

If you want more personalized guidance, a specialized career coach can help review, edit, and guide you through creating a great cover letter that sticks.

Ace your job search

Explore effective job search techniques, interview strategies, and ways to overcome job-related challenges. Our coaches specialize in helping you land your dream job.

Elizabeth Perry, ACC

Elizabeth Perry is a Coach Community Manager at BetterUp. She uses strategic engagement strategies to cultivate a learning community across a global network of Coaches through in-person and virtual experiences, technology-enabled platforms, and strategic coaching industry partnerships. With over 3 years of coaching experience and a certification in transformative leadership and life coaching from Sofia University, Elizabeth leverages transpersonal psychology expertise to help coaches and clients gain awareness of their behavioral and thought patterns, discover their purpose and passions, and elevate their potential. She is a lifelong student of psychology, personal growth, and human potential as well as an ICF-certified ACC transpersonal life and leadership Coach.

3 cover letter examples to help you catch a hiring manager’s attention

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How to Write a Cover Letter: A Comprehensive Guide with Examples (2024)

Crafting a compelling cover letter is the first step towards landing an interview. It’s usually the first impression an employer gets before even seeing your resume, and it will help to set the tone and establish your personality before getting into your qualifications and suitability for the position.

Whether you're applying for a job, internship, or generally submitting your resume for consideration, understanding how to write a cover letter can significantly enhance your chances of success.

What is a Cover Letter?

A cover letter is a formal document accompanying your resume that introduces yourself to potential employers, highlighting your qualifications, experiences, and interest in a specific job or internship. It offers you the opportunity to showcase your personality and passion for the role in a more personalized manner than a resume alone.

Cover Letter Format

The format of a cover letter typically follows a standard business letter structure. It includes your contact information, the date, the recipient's contact details, a salutation, body paragraphs, and a closing. Ensure that your cover letter is concise, well-organized, and visually appealing, using a professional font and maintaining consistent formatting throughout.

As your cover letter will often be sent as an email, check this guide on how to write an email for some general tips on subject lines, email greetings, structuring the main content, and signing off.

Cover Letter for a Job

When applying for a job, a cover letter for your resume is often expected, and it serves as your initial introduction to potential employers. It should be customized for each position, showcasing how your skills and experiences fit the job requirements. A well-crafted cover letter can distinguish you from other applicants and increase your chances of securing an interview, especially if you can show that you’re genuinely aligned with the company’s goals.

Cover Letter for an Internship

For internship applications, a cover letter is equally essential. It allows you to convey your enthusiasm for the opportunity, relevant skills, and willingness to learn. Even if you have limited professional experience, your cover letter can highlight academic achievements, extracurricular activities, and relevant coursework that demonstrate your potential value to the organization.

Writing a Cover Letter

Let’s get into how to write a cover letter, step by step:

Step 1: How to Address a Cover Letter

When addressing your cover letter, it's essential to find out the name and title of the hiring manager or recruiter whenever possible. Addressing the letter to a specific individual adds a personal touch and demonstrates your initiative. A quick note on how to address a cover letter without a name. If you're unable to identify the recipient, you can use a general greeting such as "Dear Hiring Manager" or "Dear [Company Name] Recruiting Team."

Step 2: What to Include in a Cover Letter

Writing a compelling cover letter requires careful attention to detail and a strategic approach. Begin by thoroughly researching the company and the position to tailor your letter accordingly. Highlight your most relevant experiences and accomplishments, using specific examples to demonstrate your qualifications. Keep your language professional, yet engaging, and avoid using generic templates or clichés. Instead, strive to make a memorable impression that sets you apart from other candidates by showing you understand what the company is about.

Structure-wise, a well-written cover letter should include the following elements:

Introduction : Start by stating the position you're applying for and how you learned about it. Express your enthusiasm for the opportunity and briefly introduce yourself.

Body Paragraphs : Use one or two paragraphs to highlight your relevant experiences, skills, and achievements. Provide specific examples that demonstrate your qualifications and fit for the role. Tailor your content to align with the job description and company's needs.

Closing Paragraph : Summarize your interest in the position and reiterate your enthusiasm for the opportunity. Thank the employer for considering your application and express your willingness to discuss further in an interview.

Closing : End your cover letter with a professional closing, such as "Sincerely" or "Best regards," followed by your name and contact information.

By using this kind of cover letter template, you can keep a clear and structured approach whilst also easily adjusting your content each time to customize it for each specific contact.

Before you send

Remember maintain professionalism throughout and always proofread your cover letter before you send it off. Check this quick list of cover letter dos and don’ts so you can ensure you’ve done everything you can and haven’t made any glaring errors along the way.

Note for students: While it may be reasonable to apply for internships with your university email, it probably won’t come across as particularly professional for proper job applications. Contacting an employer from a free email account with a funny name you made when you were an adolescent also won’t be particularly impressive. You may want to use a service like Inbox.com and create a business email account that shows you’re a serious professional.

Cover letter examples

Here are some short cover letter samples that you can use as templates for your own letter. Note that although the content should be adapted both to you and to the company you’re applying to, a similar structure applies in all cases.

1. Marketing Manager Cover Letter:

Dear [Hiring Manager's Name],

I am writing to express my interest in the Marketing Manager position at [Company Name], as advertised on [where you found the job posting]. With over five years of experience in marketing strategy development, campaign management, and brand positioning, I am excited about the opportunity to contribute to your team and drive results for [Company Name].

In my previous role at [Previous Company], I led cross-functional teams to develop and execute innovative marketing campaigns that resulted in a 30% increase in brand awareness and a 25% boost in lead generation. My ability to analyze market trends, identify customer insights, and leverage data-driven strategies has consistently delivered impactful results and exceeded organizational objectives.

I am particularly drawn to [specific aspect of the company or job description], and I am eager to bring my expertise in digital marketing, social media management, and content development to support [Company Name]'s mission of [mention company mission or values].

Thank you for considering my application. I am enthusiastic about the possibility of joining [Company Name] and contributing to its continued success. I am available for an interview at your earliest convenience and can be reached at [Your Phone Number] or [Your Email Address].

Sincerely, [Your Name]

2. Software Engineer Cover Letter:

I am writing to apply for the Software Engineer position at [Company Name], as advertised on [where you found the job posting]. With a Bachelor's degree in Computer Science and three years of hands-on experience in software development and coding, I am excited about the opportunity to contribute to your team and develop innovative solutions for [Company Name].

In my previous role at [Previous Company], I played a key role in designing and implementing scalable software solutions that optimized workflow efficiency and enhanced user experience. My proficiency in programming languages such as Java, Python, and JavaScript, coupled with my strong problem-solving skills, has enabled me to deliver high-quality software solutions that meet and exceed client expectations.

I am impressed by [specific aspect of the company or job description], and I am eager to leverage my technical skills and passion for innovation to support [Company Name]'s goals of [mention company goals or objectives].

Thank you for considering my application. I am eager to further discuss how my background and expertise align with the needs of [Company Name] and am available for an interview at your earliest convenience. Please feel free to contact me at [Your Phone Number] or [Your Email Address] to schedule a discussion.

3. Graphic Designer Cover Letter:

I am thrilled to apply for the Graphic Designer position at [Company Name], as advertised on [where you found the job posting]. With a strong background in visual communication, brand identity development, and multimedia design, I am excited about the opportunity to bring my creativity and expertise to your team and contribute to [Company Name]'s success.

In my previous role at [Previous Company], I collaborated with cross-functional teams to create visually compelling designs that effectively communicated brand messages and engaged target audiences. My proficiency in Adobe Creative Suite, coupled with my attention to detail and passion for design, has allowed me to deliver innovative solutions that align with client objectives and exceed expectations.

I am particularly drawn to [specific aspect of the company or job description], and I am eager to leverage my design skills and artistic vision to support [Company Name]'s mission of [mention company mission or values].

Thank you for considering my application. I am enthusiastic about the possibility of joining [Company Name] and contributing to its creative endeavors. I am available for an interview at your earliest convenience and can be reached at [Your Phone Number] or [Your Email Address].

What is a cover letter for a job?

A cover letter for a job is a formal document submitted alongside a resume during the application process. It introduces the applicant to the potential employer and highlights their qualifications, experiences, and interest in the specific job position.

What is a cover letter for a resume?

A cover letter for a resume is a document that accompanies a resume when applying for a job. While the resume provides a summary of the applicant's skills and experiences, the cover letter offers additional context and insight into their suitability for the position.

What is the purpose of a cover letter?

The purpose of a cover letter is to introduce the applicant to the potential employer, showcase their qualifications and experiences, and express their interest in the job position. It allows applicants to personalize their application and demonstrate their enthusiasm and suitability for the role.

What does a cover letter look like?

A cover letter typically follows a formal business letter format, including the sender's and recipient's contact information, a salutation, body paragraphs, and a closing. It should be well-organized, concise, and visually appealing, with a professional tone and consistent formatting.

How long should a cover letter be?

A cover letter should be concise and to the point, typically no longer than one page. It should provide enough information to highlight the applicant's qualifications and interest in the position without overwhelming the reader with unnecessary details.

What should be in a cover letter?

A cover letter should include the sender's and recipient's contact information, a formal salutation, an introduction stating the position being applied for and how the applicant learned about it, body paragraphs highlighting relevant qualifications and experiences, and a closing expressing gratitude and interest in further discussion.

How to Start a Cover Letter

To start your cover letter effectively, consider using a strong opening sentence or attention-grabbing statement that immediately captures the reader's interest. You can mention a mutual connection, reference a recent company accomplishment, or highlight a specific aspect of the job that excites you.

How to End a Cover Letter

Ending your cover letter on a high note is crucial to leave a lasting impression. In the closing paragraph, reiterate your interest in the position and express your gratitude for the opportunity to apply. Convey confidence in your ability to contribute to the company's success. Finally, use a professional closing, such as "Sincerely" or "Best regards," followed by your name.

Updated: April 10, 2024 at 4:33 PM

Published: April 10, 2024 at 4:33 PM

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Is a Cover Letter Necessary in 2024?

Published: April 03, 2024

Writing a cover letter can be daunting.

I’ll never forget my college career coach, who made writing a cover letter look easy. Even with her tips, I’ve always found it incredibly difficult to talk about myself and hype up my accomplishments.

While it acts as a letter of introduction, I’ve wondered if a cover letter is necessary in 2024. To find out, I spoke with two recruiters and gained insights on how to write the best cover letter for any job application.

How important is a cover letter?

Is a cover letter necessary, when to skip a cover letter, when to include a cover letter, tips for writing a cover letter, what if the cover letter is optional.

Cover letters are short letters of introduction that you include with job applications.

Typically, they are your chance to go into deeper details about your accomplishments that you might not have highlighted or had room to mention on your resume.

Tiffany Hall, a professional resume writer and founder of Resume911 , says cover letters are an important part of the job application process.

Hall says, “Cover letters can be very important. It’s supposed to sell why you, of all applicants, should get the job. The issue is that applicants use them to regurgitate what’s on their resume, and that’s not what it’s for. It should speak to what isn’t easily explained with your resume.”

5 Free Cover Letter Templates

Five fill-in-the-blank cover letter templates to help you impress recruiters.

• Standard Cover Letter Template
• Entry-Level Cover Letter Template
• Data-Driven Cover Letter Template

You're all set!

Click this link to access this resource at any time.

For example, if your resume says you’re skilled at building web pages, your cover letter is a great place to name-drop companies that you’ve worked for to create their websites.

Matthew Muehleisen, a corporate recruiter , thinks a cover letter is also a great place to show you’ve done your homework and researched a company.

Muehleisen says, “It can be what sets you apart from other candidates and applicants and is a good opportunity to show that you’ve done research on the position and company to further showcase your interest in the role.”

Knowing the importance of a cover letter still begs the question: Is a cover letter necessary in 2024?

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While a cover letter can help demonstrate your knowledge of the company you’re applying to and highlight more of your achievements, both Hall and Muehleisen agree that a cover letter isn’t entirely necessary.

Muehleisen says, “Unless it’s a requirement of the application, I wouldn’t say it’s necessary to include a cover letter. There are some roles (usually in content creation and marketing) that will ask for a cover letter as a form of a writing sample. In these instances, make sure your letter is polished and focused.”

If Hall had her way, she would eliminate the cover letter entirely, focus more on the resume, and ask for a link to an applicant’s LinkedIn profile.

According to Hall, “Most cover letters either repeat the resume or they speak to why the applicant isn’t a good fit. Neither is the purpose of a cover letter.”

Nevertheless, 74% of hiring managers still prefer applications to include a cover letter. So, it is definitely worth considering including one — even if the application says it’s optional.

If you’re looking for a new role, writing a cover letter can be time-consuming — especially if you take the time to personalize every letter you send to a hiring manager.

Although a cover letter does serve a legitimate purpose, and 83% of hiring managers read it, there are a few situations where you shouldn’t include a cover letter. Let’s take a look at those scenarios.

If You Only Have a Template of a Cover Letter

I get it. Writing an effective cover letter takes a significant amount of time.

But consider not sending one if you only have time to plug your information into a cover letter template without personalizing it before hitting submit on an application.

Don’t get me wrong. A cover letter template is a great starting point to write your cover letter. Templates often remind you to include pertinent information like the hiring manager’s title, name, and your contact information.

However, if you don’t take the time to edit the body of the cover letter and personalize it with research and your relevant experience, you risk sending the same letter as another candidate.

And considering that 48% of hiring managers spend anywhere from 30 seconds to two full minutes reading each cover letter, the chances are high that your hiring manager can spot a form letter a mile away.

Don’t send it if you don’t have the time to personalize a cover letter.

If Your Cover Letter Is Full of Critique

A cover letter is meant to explain why you’re the best candidate for the open position. However, a cover letter is not a place for you to share your ideas of how the company can improve.

Sure, every company likely has areas of improvement, and the job you’re applying for might be the role that gets a say in that, but a list of improvements might read as a critique.

You don’t want to potentially offend a hiring manager before you even get an interview. A bad cover letter can hurt a strong candidate, according to 33% of hiring managers .

Before you submit your cover letter, read through it several times to make sure it’s not a critique. If it does sound like a critique, throw it out.

If It’s Not Required

There are other instances where you shouldn’t send a cover letter. For example, if the application’s instructions specifically state that you do not need to submit a cover letter for consideration for the job.

In fact, sending a cover letter anyway can signal to the hiring manager that you don’t follow instructions. Not following instructions is also a great way to land your application in the trash bin.

The bottom line is this: If the application specifically states not to send a cover letter, don’t send it.

Of hiring managers, 74% prefer to see job applications with a cover letter apart from the resume. Knowing this, if you have the time to include a cover letter with your job application, don’t skip it.

Here are three instances when you should send a cover letter with your application.

Send a cover letter if you’re very interested in the role.

Think of your cover letter as your time to shine. Use it as a place to highlight your experiences and the qualifications that make you a great fit for the position.

Hall says, “If you can speak to why you’re a good candidate without copying your resume in paragraph form, include a cover letter.”

In other words, don’t use bullet points in your cover letter to describe your previous employment history.

Instead, talk about what you learned on the job and how your skills will help you excel in the role you’re applying for.

Send a cover letter when there’s a gap in your resume or you’re transitioning industries.

If you’re looking to transition to another industry, you should definitely include a cover letter with your application.

Speaking from personal experience, if I had only submitted a resume to my school district when I applied to be a Spanish teacher, the hiring manager would have just seen my experience in Public Health and would not have known about my skills and success in tutoring students in Spanish.

Muehleisen puts it this way, “If you’re looking to transition to a new industry or if there is a position and company you’re really excited about pursuing as an opportunity, these are the best instances to include a cover letter so that you can possibly give yourself an advantage.”

A cover letter can also help explain any gaps in your resume — especially if the gap in your employment history is beneficial to the role you’re applying for.

For example, maybe you volunteered in South America, and the role you’re applying for is for a position in Global Operations.

It never hurts to include positive, pertinent information in your cover letter.

Send a cover letter when it’s required.

The most obvious time to include a cover letter with your application is when it is required. Just like not including a cover letter when it’s not required, it shows you can follow directions.

Include a cover letter when the application asks you to submit one, which shows you can follow directions.

Plus, if the application asks for a cover letter, you can bet the hiring manager will look for it. If no cover letter is included, well, you’re sabotaging your chances of getting an interview.

Only 13% of hiring managers will consider giving a candidate an interview if they don’t attach a required cover letter to an application.

Writing a cover letter is not as painful as it sounds. There are great templates you can use as a starting point for your cover letter.

The trick with a template, though, is to make sure you always personalize the letter to your own experiences and qualifications.

Here are five expert tips to write a winning cover letter.

1. Tailor your cover letter to the job description.

When writing a cover letter, especially if you use a cover letter template, you should tailor the letter to match the job description and meet the requirements of the application.

For example, if the application asks you to attach a short cover letter, keep it brief. Your best bet is one to two short paragraphs detailing why you’re a great fit for the position.

You’ll also want to reference keywords from the job description in your cover letter. Many recruiters use applicant tracking systems that scan application packets for the best fit.

Often, hiring managers review the applications that match the keywords first.

Now, that doesn’t mean to stuff your cover letter with keywords. Instead, use them in a natural way as you discuss your qualifications.

2. Be personable with your greeting.

You might have seen the advice telling you to use “To Whom It May Concern” instead of the hiring manager’s name. This is good advice, but only if you do not know the hiring manager.

Before resorting to a generic greeting to start your cover letter, take the time to look on the company’s website and LinkedIn to find out who makes hiring decisions.

If you have contacts in your network who are familiar with the company, ask them. Taking the time to research the hiring manager and the company shows you care about the details — a quality many hiring managers look for in a candidate!

If you’re still unsure after researching the company, consider using “Dear Sir or Madam” as your greeting.

3. Be yourself.

While a cover letter is a formal introduction of yourself to a potential employer, it doesn’t need to be lacking in personality. Hall suggests sprinkling your personality in your cover letter to spark connections with the hiring manager.

Hall says, “Be your best professional self. I’m a foodie and will include references to food on my LinkedIn, and I’ve done it in a cover letter. I’ve had managers reference them, and we had a chuckle. I am also very clear about aligning myself with companies whose mission and goals I respect and can contribute to. I make sure to speak to that in the cover letter.”

Take Hall’s advice. Showcasing your vibrant personality in your cover letter can help break the ice in your interview!

4. Proofread your cover letter.

Once you’ve written your cover letter and before you hit “send,” double-check that it is free from spelling and grammar errors and that the company you referenced is the company you are applying to.

Muehleisen says skipping proofreading your cover letter is a big mistake — and it could cost you the job!

Muehleisen says, “Make sure that you are proofreading prior to sending. If the cover letter feels like it is a simple cut/paste or if the job title and company name are incorrect, it may do more harm than good. So, be sure that what you’re sending is pertinent.”

5. Be cautious of AI.

AI tools, like ChatGPT or Claude, are great for helping draft content. You might be tempted to ask generative AI to write your cover letter for you. However, both Hall and Muehleisen say to proceed with caution when it comes to AI.

Hall says, “AI is coming along in amazing ways, so it may come as a surprise that my best tip didn’t include AI. I tell my clients when they’re stuck to look to their peers. You can search people by job title on LinkedIn. See how they describe themselves and pull from there. Or, hire a resume writer or career strategist to help you.”

Muehleisen agrees with her. He says, “I would hesitate to use a tool or service for a cover letter as the point should be to show your authenticity. If you are going to use AI for assistance, make sure to put your own words in as well.”

However, when you write your cover letter, whether using a template or generative AI, personalizing it is key to standing out from the competition.

If the job description says a cover letter is optional, should you send one, or can you get by without it?

That can be tricky, considering 72% of recruiters still expect a cover, even if it’s optional.

According to Muehleisen, sending a cover letter is not a bad idea. He says, “I’ve never heard of a cover letter hurting an applicant’s chances; just make sure the one you’re including is specific to the job description and posting.”

Check out these cover letter examples for more inspiration.

Experiment With Your Cover Letters

Writing a cover letter is a breeze once you get the hang of it. With today’s challenging job market, sending a cover letter with your application can make a difference in whether you get called for an interview.

I can’t make promises that your cover letter will dazzle hiring managers each time, but for the right position for you, it will.

Remember Hall and Muehleisen’s advice when you craft your cover letter. Personalization is key to success!

Don't forget to share this post!

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How to Start a Cover Letter - 4 Tips for the Perfect Opening

Here you are, looking at a blank document that’s supposed to be your cover letter.

You have a general idea of what your cover letter is supposed to be about, but you’re having trouble writing those first few sentences.

We get you! Whether you’re writing your resume, an article, research paper, or a cover letter, getting started is sometimes the hardest part.

Lucky for you, though, there is a very straightforward way to get started with your cover letter, and in this article, we’re going to teach you how to do that!

Read on to learn how to effectively get started with your cover letter! 

• What should your cover letter opening contain
• What to include in your contact information
• How to start a cover letter greeting
• How to write an attention-grabbing opening paragraph
• 6 Examples of how to start your cover letter

What Should Your Cover Letter Opening Contain

To successfully get started with writing your cover letter, you should include these 3 main elements:

• The header with contact information. Includes your & the recipient’s contact information.
• The greeting to the manager. This is where you address the cover letter by greeting the hiring manager, department, or company.
• An attention-grabbing opening paragraph. The opening paragraph of your cover letter is your chance to grab the recruiters’ attention and get them to read the rest of your cover letter.

Below, we’ll teach you how to do each of them in the right way.

If you’re applying for an entry-level job and wondering what’s the best way to write your cover letter, head over to our article on entry-level cover letters . 

What to Include in Your Contact Information 

As we mentioned, the first thing to add to your cover letter opening is your contact information. 

The header’s essential information include the following: 

• Full name and professional title (if applicable)
• Phone number
• Email (a professional email, that is)

In some cases, you can also add the following: 

• Social media profiles. By this, we mean profiles that are relevant to the position. This includes websites like LinkedIn , GitHub (for developers), or Medium (for writers).
• Personal website. If you have a personal website you’ve created for your industry (i.e. you’re a writer with a blog), then make sure to include the link to your website on your cover letter.

After you’ve added your information, you should add the date and continue with the recipient’s name and address. So:

• Manager’s name
• Manager’s job title
• Company’s name
• Company’s street address

Once you’ve done this, here’s what your cover letter will look like:

And just like the essential DOs, there are also some things you should NOT include in your cover letter header: 

• Unprofessional email. It’s going to be difficult for a hiring manager to take you seriously if your email address is something you coined when you were still a teenager (i.e. [email protected] ). 

How to Start a Cover Letter Greeting

After you’ve properly listed your contact information, it’s time to start writing your cover letter. 

The first thing this includes is addressing the cover letter to the hiring manager. 

Yeap, that’s right! And by greeting the hiring manager, department, or company, we don’t mean using the old-fashioned “Dear Sir/Madam,” or “To whom it may concern.”

Instead, you want to show your future employer that you’ve done your fair share of research about the job/company and that you’re not just using one cover letter template to apply for ten jobs. After all, one of the most common mistakes job seekers do (84% of them!) is not finding the hiring manager’s name and personalizing the application.

So, make sure to address the hiring manager that’s going to review your manager directly. 

Now, there are a few ways you can do that. 

The simplest - and most obvious - option is to look up the head of the department you’re applying to on LinkedIn. 

Let’s assume that you’re applying as a Communications Specialist at Novoresume. The hiring manager is probably the Head of Communications or the Chief Communications Officer. 

After a quick LinkedIn lookup, you can probably find out who that person is (that’s me!). 

And just like that, you have your hiring manager! Piece of cake!

Not a fan of LinkedIn? You can also check the company’s website and look for the “Team” or " About Us " page.

If none of these work, consider using one of the following greetings when you’re addressing the hiring manager: 

• Dear [Department] Hiring Manager,
• Dear Hiring Manager, 
• Dear [Department] Team,
• Dear Director of [Department],
• Dear [Company Name] Hiring Team

How you conclude your cover letter is just as important as how you start it. To learn how to ace yours, head over to our guide on how to end a cover letter . 

How to Write an Attention-Grabbing Opening Paragraph

The last, but the most important, part of your cover letter opening is your opening paragraph. 

You want your opening paragraph to be engaging and attention-grabbing to ensure that the hiring manager will continue reading the cover letter.

After all, recruiters receive hundreds of applications daily. Obviously, they can’t spend all their working hours reading cover letters, so, instead, they simply skim your cover letter in a handful of seconds, and if it catches their attention, they re-read it more thoroughly.

And the part of the cover letter that helps catch their attention is usually the opening paragraph! 

Compare these 2 cover letter openers and judge for yourself which one you’d rather read:

Dear Mr. Brown,

My name is Anna and I’d like to help your company exceed its sales target as a Sales Manager. My 5-year experience as a Sales Representative at XYZ Inc. has given me substantial skills in sales. During my last year working there, we beat KPIs by around 50%. I believe that my strong track record in sales makes me the perfect candidate for the position. 

Hello, my name is Mary and I am interested in working as a Sales Manager for your company. I have 6 years of experience working as a Sales Manager for Company X, so I think I’m a good fit for the position. 

While there’s nothing inherently wrong with the first example, it’s not all that imaginative. Chances are, every other applicant is going to use a similar opening statement.

The second example, on the other hand, is more customized and personal, helping the recruiter understand why Anna is a good candidate for the role.

In this section we’ll give you all the tips & tricks you need to ace your cover letter introduction:

Tip #1. Show Passion and Commitment

Showing the hiring manager that you’re passionate about the job will instantly boost your chances of getting hired. It’s not a secret that committed employees are more engaged and, therefore, more productive.

After all, research shows that engaged employees are 17% more productive than their peers.  

So, it’s only logical that the hiring manager will greatly appreciate a candidate who shows commitment and enthusiasm. 

As such, these are both qualities that you want to showcase right from the start of your cover letter. Here’s an example of how you can do that:

I have been immersed with human rights since I specialized in Conflict Resolution and started working with Amnesty International. During my 5 years of experience in the field, however, I haven’t seen any organization do the work that you’ve accomplished with human rights. Your dedication makes me want to work for your organization and put my skills to use for the work you do. 

Tip #2. Mention a Mutual Contact (if Applicable)

If someone referred you to the position, the opening paragraph of your cover letter is a great place to mention that. 

Referrals are key to securing an interview, but at the same time they’re not something you can mention on your resume, so take the opportunity to let the recruiter know at the start of your cover letter. 

The idea is that if someone the hiring manager knows recommended you for the position, your skills and qualifications immediately become more credible.

I was excited to learn about this job opportunity from John Doe, who has worked at your firm for five years. John and I worked on an architectural project together for over one year and he thought I’d be a good fit for the role at Company X. 

Tip #3. Prove You Have Researched The Company 

A generic cover letter will not give you many points in the eyes of your potential employers. 

The recruiter reading your cover letter wants to know that you’re excited to be applying for that particular company , and you’re not just applying to dozens of jobs randomly, hoping that one will stick. 

As such, it’s very important to do some research about the company you’re applying for, and in the cover letter, mention why you’re a good culture fit. 

I have always admired the work that your organization does with vulnerable communities. I have always been passionate about social justice and I think the mechanisms you have in place to empower those in need are really making an impact. I believe my previous experience as a social worker could bring value to your mission.

Tip #4. Lead With An Achievement

There’s no better way to grab attention than to lead with an achievement. It immediately gives you credibility and makes the hiring manager curious to read more about you. 

To make sure your achievements stand out, though, do this:

• Whenever possible, make your achievements as quantifiable as possible. “Improved sales by 20% in 2 months” is more impressive than “improve sales.”
• Show how your past achievement is relevant or can add value to your current position. 

As a Public Relations representative for Company XYZ, I worked with the press to improve its reputation and public image. This translated into a 40% increase in customer satisfaction and better public reception of the company’s values and identity. I am eager to yield the same results as the Head of Communications in your organization. 

Tip #5. Start With a Powerful Belief

A short and impactful belief statement that represents your work ethic and professional values is another great way to attract the recruiter’s attention. Obviously, you get bonus points if said belief statement aligns with the company’s goals and objectives. 

However, don’t just copy-paste the company’s mission statement to make a good impression. Rather, use your own words and beliefs to sound more genuine and original.

As a teacher, I believe every child should have access to quality education early on. This is the only way to ensure future generations’ equity and the best chance we have at improving our society. I admire your institution’s commitment to enabling quality education in the most remote areas of our country and I’d be honored to contribute to those efforts by becoming a teacher here. 

Tip #6. Be Direct  

Oftentimes, beating around the bush gets you nowhere. So, a great strategy to follow when you start writing your cover letter is to just be direct about the position you’re applying for and the reasons you believe make you the perfect fit for the job. 

There’s another upside to this. Recruiters receive hundreds of applications daily - sometimes, even for different positions within the same department - so it helps them to know what position you’re applying for early on, as well as what exact qualifications make you the perfect fit for the job. 

I’d like to officially apply for the marketing manager position at Company X. Over the past 7 years, I’ve worked with 6 clients, helping them drive more than $2,000,000 worth of sales. I am confident that my marketing skills and proven sales results make me a perfect match for the position. 

Match your cover letter with your resume to make a better impression on the recruiter and reinforce your personal brand !

Key Takeaways 

And that’s a wrap! 

Hopefully, you’re now more confident about how you can start your cover letter!

Now, let’s do a small recap of the most important points we covered in the article:

• Your cover letter opening should contain a header with contact information, a greeting to the hiring manager, and an attention-grabbing opening paragraph.
• Your header should include your contact information, such as your name, phone number, and professional email, the date, as well as the contact information of the recipient.
• You should try to find the hiring manager’s full name in order to greet them. If you can’t find their name or title anywhere, then you should greet them using Dear Hiring Manager , Dear [Department] Team , or something similar.
• The opening paragraph of your cover letter should grab the hiring manager’s attention and make them want to read your cover letter. Some tips to write an attention-grabbing opening paragraph include being direct, starting with a strong belief statement, or leading with a relevant achievement.

Related Readings 

• How to Write a Cover Letter in 2024
• Cover Letter Tips 
• Cover Letter Mistakes
• Do I Need a Cover Letter?

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What to know about Biden’s new student loan forgiveness plan

President Biden is forging a new path to reduce or eliminate federal student loan balances for tens of millions of borrowers, holding firm to a campaign promise to ease the burden of college debt.

The proposed forgiveness plan announced Monday is an alternative to the sweeping $400 billion debt relief program that Biden announced in 2022 and the Supreme Court blocked last summer. Since that court defeat, the Biden administration has worked through a negotiated rulemaking process to craft a regulation that achieves large-scale debt cancellation, albeit with a much more targeted approach than the last plan.

The Education Department will release a draft rule on the forgiveness plan to solicit public comment in the coming months. But the Biden administration is releasing more details of how the proposal will accomplish the president’s goal of sweeping debt reduction.

Here’s what we know.

What does Biden’s student loan relief plan do?

The new plan will expand federal student loan relief to several categories of borrowers. It will eliminate up to $20,000 in accrued interest for borrowers who owe far more than they originally borrowed because of unpaid interest. Borrowers could get all of their interest wiped away if they are enrolled in an income-driven repayment plan and have an annual income under $120,000 for an individual or under $240,000 for couples. The White House estimates that 25 million people will benefit from this feature of the new plan, including 23 million who could have their unpaid interest completely forgiven.

Once the plan is finalized, another 2 million borrowers could automatically have their loans canceled because they’re eligible for existing forgiveness programs, such as Public Service Loan Forgiveness , but never applied. The proposed plan will also automatically cancel the loans of people who have been in repayment on undergraduate loans for at least 20 years, and graduate loans for 25 years or more. It would also forgive the debt of borrowers who attended career training programs that led to high debt loads or low earnings.

A fifth category of borrowers would receive debt relief if they are facing hardships , such as high medical debt or child-care expenses, that prevent them from repaying their student loans. The specific terms of each category will be fleshed out in the formal rule due out soon.

The administration plans to roll out the interest education feature this fall, and the remaining features could be implemented next summer.

Who is eligible for student loan forgiveness?

The majority of Americans with federally held student loans will qualify for some level of relief under the new plan. People with privately held federal loans originated through the defunct Federal Family Education Loan (FFEL) program would also benefit from some aspects of the proposal.

Those commercial FFEL borrowers would receive forgiveness if they entered repayment on or before July 1, 2000, or are eligible but have not yet applied for a closed school discharge — a form of debt cancellation for borrowers whose schools abruptly close. Such borrowers would also be eligible for debt relief if they have loans associated with a college that lost access to federal student aid because of high loan default rates, according to the Education Department.

Do I need to apply for this loan forgiveness?

While the specifics of the plan are still being hashed out at the Education Department, the Biden administration said the goal is for the vast majority of the relief to be automatic.

I was approved for loan forgiveness in the old plan. Will I qualify this time?

It depends on whether you fit any of the five categories for loan forgiveness.

How is this different from the plan rejected by the Supreme Court?

Biden’s 2022 student loan forgiveness plan relied on the Higher Education Relief Opportunities for Students (Heroes) Act of 2003, which lets the secretary of education “alleviate the hardship that federal student loan recipients may suffer as a result of national emergencies.” The president argued that the coronavirus pandemic created economic hardship for borrowers that required government intervention of up to $20,000 in loan cancellation for 40 million borrowers. But in striking down the debt plan , a majority of Supreme Court justices said the Heroes statute was not designed for policy with such a “staggering” economic impact.

This time, instead of the 2003 law, the Biden administration anchored its new plan with authority in the 1965 Higher Education Act, which allows the education secretary to compromise, waive or release loans under certain circumstances. Critics of Biden’s plan question whether the 1965 law permits expansive debt relief envisioned by the administration, and note that Chief Justice John G. Roberts Jr. said in his opinion last year that the act can be used to cancel debt in “certain limited circumstances.”

The Biden administration said the new plan is composed of interventions that address specific circumstances in ways that are covered by the Higher Education Act. The president is confident he is acting within the scope of the law, according to the White House.

Are private loans eligible?

Loans originated and held by banks and other private entities are not eligible for the new forgiveness plan. But federal loans held by private companies are eligible for some components.

Student loans

The impact of student loan repayments : A technical loophole is helping some parents lower their student loan payments . The ending of the student loan payment pause has left some borrowers anxious and confused .

What are my student loan repayment options? Personal finance columnist Michelle Singletary shares what to focus on as student loan payments resume and why she says President Biden’s new SAVE student loan income-driven plan is a game changer .

What’s next for student loan debt relief? Biden is forging ahead on a new path to narrower student loan relief after the Supreme Court rejected his earlier loan forgiveness plan . Meanwhile, conservative groups sued to block Biden’s effort to provide $39 billion in forgiveness to longtime borrowers.