Your loan can be discharged if you didn't have a high school diploma or its equivalent and the school didn't properly test you to measure your ability to benefit from the training, or you failed the test.

You may also be eligible for false certification discharge if you had a disqualifying status that prevented you from meeting the legal requirements of your state to enroll in the program or work in the career for which you were training, regardless of whether you had a high-school diploma or equivalent.

A loan may also be discharged if it was falsely certified in your name as a result of identity theft. To prove identity theft, you'll need to present reasonably persuasive evidence to the loan servicer. There isn't an identity theft discharge application yet.

Contact your loan servicer for information about the specific documentation they require. You may qualify for partial discharge of a student loan if your school failed to pay a tuition refund required under federal law.

Only the amount of the unpaid refund will be discharged. You may qualify for this discharge regardless of whether the school is closed or open. If you believe someone forged your signature on the loan application, promissory note or authorization for electronic funds transfer, you may qualify for a loan discharge.

You must provide five different samples of your signature, with at least two of the samples on documents that are clearly dated within a year before or after the date of the contested signature.

Spouses or parents of a victim of the Sept. Consolidation loans received after Sept. Bankruptcy doesn't automatically discharge your student loan debt. Your loans may only be discharged in a separate proceeding in the bankruptcy court called an Adversary Proceeding. All or a portion of your student loan debt may be repaid if you're eligible for the Teacher Loan Forgiveness Program.

Congress created the program in to encourage individuals to enter into and continue the teaching profession within designated educational service agencies, and elementary and secondary schools that serve low-income families.

No new applications are being accepted for this program because no additional funding has been provided.

Applications for renewal benefits are available if you have previously been granted forgiveness under this program. All of your student loan obligations may be forgiven if you're eligible for the Child Care Provider Loan Forgiveness Program.

You must be a new borrower on or after October 1, , and meet the required criteria. If you qualify, the Department of Education will pay on a first-come, first-served basis, subject to the availability of funds.

For further information, visit the Army Chaplain Corps website or call The Civil Legal Assistance Attorney Student Loan Repayment Program CLAARP encourages qualified individuals to enter and continue employment as civil legal assistance attorneys.

Under CLAARP, a Perkins, Federal Family Education Loan FFEL or Direct Loan DL Program borrower with one or more eligible loans, can sign a Dept. Visit the CLAARP site for applications and more information.

A revolving fund has been established by the State Department of Health to be designated as the Dental Loan Repayment Revolving Fund for the purpose of repaying dental student loans. Contact the State Department of Health, Dental Health Services at Participants should also receive matching funds from their employing educational institution.

Visit the FLRP website for applications, deadlines and additional information. Visit the IHSLRP website for applications, deadlines and additional information.

Visit the NHSC website for applications, deadlines and additional information. Visit the NIH LRP website to verify eligibility, view applications and find additional information. The U. Payment is sent directly to the lending institution. More information is available on the HPLRP website. The Nursing Education Loan Repayment Program NELRP aims to alleviate the critical shortage of registered nurses in non-profit health care facilities.

The program pays 60 percent of an eligible participant's qualifying education loan balance for two years of service. For an optional third year, participants receive an additional 25 percent of their original qualifying education loan balance.

Visit the NELRP website for applications, deadlines and additional information. The Public Service Loan Forgiveness Program was created to encourage individuals to enter and continue working full-time in public service jobs.

Under this program, you may qualify for forgiveness of the remaining balance due on your eligible federal student loans after you have made payments on loans under certain repayment plans while employed full time by certain public service employers.

More information is available on the Public Service Loan Forgiveness site. The Specialty Equipment Market Association SEMA loan forgiveness program aids recent graduates who have worked in the automotive industry for at least one year, work for a SEMA-member company and have outstanding student loans.

Additional information is available on the SEMA Loan Forgiveness Program page. Visit the NIFA Loan Repayment Program website for applications, deadlines and additional information. Learn more about our work on PSLF by visiting our key issue page on higher education access and affordability and by checking out the reports linked above.

Posted on September 20, Department of Education. Student loan repayment. Student loans. Student loan repayment program. Public service employment. Student loan defaults. Higher education. Education, Workforce, and Income Security. GAO Contacts. Melissa Emrey-Arras Director. emreyarrasm gao.

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Public Service Loan Forgiveness (PSLF) is available through the U.S. Department of Education for federal Direct Loan borrowers. You might also Public Service Loan Forgiveness (PSLF) PSLF allows qualifying federal student loans to be forgiven after qualifying payments (10 years), while working for Discharge due to death. If you die, your federal loans will be discharged once a death certificate is submitted to your loan servicer. Your

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Loan discharge qualifications - Your loan can be discharged only under specific circumstances, such as a school's closure, false certification of your eligibility to receive a loan, or failure Public Service Loan Forgiveness (PSLF) is available through the U.S. Department of Education for federal Direct Loan borrowers. You might also Public Service Loan Forgiveness (PSLF) PSLF allows qualifying federal student loans to be forgiven after qualifying payments (10 years), while working for Discharge due to death. If you die, your federal loans will be discharged once a death certificate is submitted to your loan servicer. Your

Download and print the False Certification of High School Graduation Status Discharge Application PDF or contact AES. You may qualify for loan discharge if the school certified your eligibility; but, because of a physical or mental condition, age, criminal record, or other reason you are disqualified from employment in the occupation where you were being trained.

Download and print the False Certification Disqualifying Status Loan Discharge Application PDF or contact AES. You may need your academic records if you plan to attend another school and wish to have your course work at the closed school considered.

You may qualify for loan discharge if the school signed your name on the loan application or promissory note without your authorization and you did not attend class. Download and print the False Certification Identity Theft Discharge Application or contact our Loan Discharge Unit at LoanDischarge aesSuccess.

org to discuss your situation. You will need to present evidence that identity theft occurred. 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.

Only the amount of the unpaid refund will be discharged. You may qualify for this refund whether the school is closed or opened. Download and print the Unpaid Refund Loan Discharge Application PDF or contact AES.

You may need your academic records if you plan to attend another school and wish to have your coursework at the closed school taken into consideration. You could have your federal student loan debt discharged if you are the spouse or parent of an eligible public servant or other eligible victim of the September 11, , terrorist attacks who died or became permanently and totally disabled.

The U. Department of Education ED deems these loans eligible for discharge:. Download and print the Spouses and Parents of September 11, Victims Loan Discharge Application or contact AES.

Contact us to discuss your situation. You will need to present evidence to be considered for this discharge program. You may qualify for discharge of your federal student loans if you attended a school that misled you or engaged in other misconduct in violation of certain laws.

If you have questions about any of the listed Discharge Programs, please contact us. NMLS NMLS Consumer Access. All Rights Reserved. PHEAA conducts its student loan servicing operations commercially as American Education Services AES. You are using an outdated and unsupported browser.

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Discharge Programs Your federal student loan debt may qualify for loan discharge if the loan was issued under certain conditions. We will inform credit-reporting agencies about the discharged loan and tell them to delete any adverse credit history resulting from nonpayment.

You may be eligible to apply for future federal student financial aid. Closed School Loan Discharge What Is It? How to Apply Download and print the School Closure Loan Discharge Application PDF or contact AES.

How to Obtain Academic and Financial Aid Records If you are trying to locate your academic and financial aid records from a closed school, contact the state licensing agency where the school was located to ask whether the state decided to store the records.

Additional Information Your loan cannot be discharged if: You completed the program of study through a teach-out or by transferring academic credits or hours earned from the closed school to another school.

Personal circumstances caused you to withdraw more than days before the school closed. You are completing a comparable educational program at another school. If you do this after your loan is discharged, you may have to repay the amount of the discharge.

You completed the program's coursework, even if you did not receive a diploma or certificate. There isn't an identity theft discharge application yet. Contact your loan servicer for information about the specific documentation they require.

You may qualify for partial discharge of a student loan if your school failed to pay a tuition refund required under federal law. Only the amount of the unpaid refund will be discharged.

You may qualify for this discharge regardless of whether the school is closed or open. If you believe someone forged your signature on the loan application, promissory note or authorization for electronic funds transfer, you may qualify for a loan discharge.

You must provide five different samples of your signature, with at least two of the samples on documents that are clearly dated within a year before or after the date of the contested signature.

Spouses or parents of a victim of the Sept. Consolidation loans received after Sept. Bankruptcy doesn't automatically discharge your student loan debt. Your loans may only be discharged in a separate proceeding in the bankruptcy court called an Adversary Proceeding. All or a portion of your student loan debt may be repaid if you're eligible for the Teacher Loan Forgiveness Program.

Congress created the program in to encourage individuals to enter into and continue the teaching profession within designated educational service agencies, and elementary and secondary schools that serve low-income families. No new applications are being accepted for this program because no additional funding has been provided.

Applications for renewal benefits are available if you have previously been granted forgiveness under this program. All of your student loan obligations may be forgiven if you're eligible for the Child Care Provider Loan Forgiveness Program.

You must be a new borrower on or after October 1, , and meet the required criteria. If you qualify, the Department of Education will pay on a first-come, first-served basis, subject to the availability of funds.

For further information, visit the Army Chaplain Corps website or call The Civil Legal Assistance Attorney Student Loan Repayment Program CLAARP encourages qualified individuals to enter and continue employment as civil legal assistance attorneys. Under CLAARP, a Perkins, Federal Family Education Loan FFEL or Direct Loan DL Program borrower with one or more eligible loans, can sign a Dept.

Visit the CLAARP site for applications and more information. A revolving fund has been established by the State Department of Health to be designated as the Dental Loan Repayment Revolving Fund for the purpose of repaying dental student loans.

Contact the State Department of Health, Dental Health Services at Participants should also receive matching funds from their employing educational institution. Visit the FLRP website for applications, deadlines and additional information.

Visit the IHSLRP website for applications, deadlines and additional information. Visit the NHSC website for applications, deadlines and additional information.

Visit the NIH LRP website to verify eligibility, view applications and find additional information. The U. Payment is sent directly to the lending institution. More information is available on the HPLRP website. The Nursing Education Loan Repayment Program NELRP aims to alleviate the critical shortage of registered nurses in non-profit health care facilities.

The program pays 60 percent of an eligible participant's qualifying education loan balance for two years of service. For an optional third year, participants receive an additional 25 percent of their original qualifying education loan balance.

Visit the NELRP website for applications, deadlines and additional information. The Public Service Loan Forgiveness Program was created to encourage individuals to enter and continue working full-time in public service jobs.

Under this program, you may qualify for forgiveness of the remaining balance due on your eligible federal student loans after you have made payments on loans under certain repayment plans while employed full time by certain public service employers.

More information is available on the Public Service Loan Forgiveness site. The Specialty Equipment Market Association SEMA loan forgiveness program aids recent graduates who have worked in the automotive industry for at least one year, work for a SEMA-member company and have outstanding student loans.

Additional information is available on the SEMA Loan Forgiveness Program page. Visit the NIFA Loan Repayment Program website for applications, deadlines and additional information. If you think your loans are eligible for discharge or forgiveness and have questions, contact our Default Prevention department at WeCanHelp ocap.

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