Loan Forgiveness & Discharge

Depending on your professional or personal situation, you may be able to have your loans forgiven, canceled, or discharged.

Public Service Loan Forgiveness (PSLF)
If you are employed full-time with a qualifying public service organization or serving as a full-time AmeriCorps or Peace Corps volunteer, you could potentially qualify for forgiveness on your Direct Loans after 120 qualifying payments on an eligible repayment plan.
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Teacher Loan Forgiveness

If you teach full-time for five complete and consecutive academic years in a low-income elementary school, secondary school, or educational service agency, you may be eligible for forgiveness of up to $17,500 on your Direct Loan or FFEL Program loans. See StudentAid.gov for more information and a form you can fill out when you have completed your teaching service.

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Total and Permanent Disability Loan Discharge

If you have a medically determinable physical or mental impairment or are a veteran with a service-connected condition, you may qualify for a discharge based on a total and permanent disability.

Please contact the Nelnet Total and Permanent Disability Servicer for further information and to obtain an application.

Phone:
1-888-303-7818

Email:
disabilityinformation@nelnet.net

Website:
www.disabilitydischarge.com

Mail:
U.S. Department of Education
P.O. Box 87130
Lincoln, NE 68501

Overnight Delivery:
U.S. Department of Education
121 South 13th Street, Suite 201
Lincoln, NE 68508

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Other Loan Discharge Programs

While much less common, other opportunities exist that may lead to your loans being .

School Closure

School Closure

Eligibility

You may qualify if your school closed and you were unable to complete a comparable program at another school through a , by transferring academic credits or hours earned at the closed school to another school, or by any other comparable means, if:

  • Your school closed while you were enrolled and you could not complete the program of study for which the loan was intended. If you were on an approved leave of absence when the school closed, you are considered to have been enrolled at the school.
  • Your school closes within 120 days after you withdraw from classes.

How to Apply

Complete the application (PDF) and return it via:

  • File Upload: Using our located in your online account.
  • Fax: (717) 720-1628
  • Mail: FedLoan Servicing
    P.O. Box 69184
    Harrisburg, PA 17106-9184
False Certification of Ability to Benefit

False Certification of Ability to Benefit

Eligibility

You may qualify if the school you attended falsely certified your ability to benefit from the education. A student may be eligible for discharge under this program if:

  • The student lacked a high school diploma or GED equivalent at the time of enrollment; and
  • The school did not properly test the student's ability to benefit; or
  • The school did not require completion of remedial courses as a condition of admission into the student's program of study; and
  • The student did not obtain their high school diploma or GED equivalent prior to completion of their program of study.

How to Apply

Complete the application (PDF) and return it via:

  • File Upload: Using our located in your online account.
  • Fax: (717) 720-1628
  • Mail: FedLoan Servicing
    P.O. Box 69184
    Harrisburg, PA 17106-9184
False Certification (Disqualifying Status)

False Certification (Disqualifying Status)

Eligibility

You may qualify if you had a physical condition, medical condition, legal status, or legal condition that would legally bar employment in your field of study at the time your school certified or originated your loan.

How to Apply

Complete the application (PDF) and return it via:

  • File Upload: Using our located in your online account.
  • Fax: (717) 720-1628
  • Mail: FedLoan Servicing
    P.O. Box 69184
    Harrisburg, PA 17106-9184
False Certification as a Result of Identity Theft

False Certification as a Result of Identity Theft

Eligibility

You may qualify if your loan was falsely certified as a result of a crime of identity theft.

How to Apply

There is currently no federal application for requesting this discharge.

If you believe you may qualify, you should contact us to discuss your situation. You will need to present evidence to show that identity theft occurred in your case.

Unauthorized Signature/Payment

Unauthorized Signature/Payment

Eligibility

You may qualify if your school took one of the following actions without your authorization:

  • Signed your name on the loan application or promissory note and you did not attend class.
  • Endorsed your loan check, or signed your authorization for electronic funds transfer or master check, and did not give you the loan proceeds or apply them to charges you owed the school.

How to Apply

Complete the application (PDF) and return it via:

  • File Upload: Using our located in your online account.
  • Fax: (717) 720-1628
  • Mail: FedLoan Servicing
    P.O. Box 69184
    Harrisburg, PA 17106-9184
Unpaid Refund

Unpaid Refund

Eligibility

You may qualify for a partial unpaid refund loan discharge if your school failed to pay a tuition refund required under federal law if you withdrew during the refund period published by the school. You may be eligible regardless of whether the school is open or closed.

How to Apply

If the school that you believe owes you a refund is currently open, you should first contact the school to resolve this issue before applying.

Complete the application (PDF) and return it via:

  • File Upload: Using our located in your online account.
  • Fax: (717) 720-1628
  • Mail: FedLoan Servicing
    P.O. Box 69184
    Harrisburg, PA 17106-9184
Spouses and Parents of 9/11/01 Victims

Spouses and Parents of 9/11/01 Victims

Eligibility

You may qualify if:

  • You are the spouse of an eligible public servant who died or became permanently disabled due to injuries suffered in the terrorist attacks on September 11, 2001.
  • Your spouse or child was an eligible victim who died or became permanently disabled due to injuries suffered in the terrorist attacks on September 11, 2001.

How to Apply

There is currently no federal application for requesting this discharge.

If you believe you may qualify, you should contact us to discuss your situation. You will need to present evidence in order to be considered for this discharge program.