The 65/20 rule helps older applicants who have lived in the United States for a long time. If you are 65 or older on the day you file your N-400, and you have been a lawful permanent resident for at least 20 years, you get two benefits.
A shorter study list
Instead of studying all 128 civics questions, you study a smaller set that USCIS marks for 65/20 applicants. The officer still asks up to 20 and you still need 12 correct, but your questions come only from the shorter marked list. That is much less to memorize.
You can test in your language
Under 65/20, you can take the civics test in the language you choose. You may bring an interpreter for the interview. You are still expected to answer the civics questions, but not in English.
Who qualifies
You need both parts on your filing date: age 65 or older, and 20 years or more as a permanent resident. If you meet the age but not the years, or the years but not the age, the standard rules apply. There are separate accommodations for certain medical conditions, which work differently.
What to bring
Requirements can change, so read the current USCIS instructions and your appointment notice. If you plan to use an interpreter, check the current rules on who can serve as one.
If you qualify, focus your study on the marked 65/20 questions and practice them out loud in your language.
Citizenship Answers is an independent study aid, not legal advice, and is not affiliated with USCIS. Confirm your eligibility and the current question list on the official USCIS website.