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There are three major types of Student Loan Forgiveness: Cancellation, Discharge, and Forgiveness


Public Service Loan Forgiveness

If you have been serving in a government or non-profit position, you may be eligible for Student Loan Forgiveness. However, there are some stipulations to this program. 

In order to receive the full benefits of the Public Service Loan Forgiveness (PSLF) Program, applicants would have needed to have been under full-time employment for the government or non-profit entity, while also making qualified payments to their loan for at least 10 years


Teacher Loan Forgiveness

Educators that have taught for five consecutive academic years in elementary, secondary, or educational service agencies in low-income neighborhoods may be eligible for up to $17.,500 in forgiveness from direct or FFEL Program Loans. 


Closed School Discharge

As noted in the introduction above, if the school you’re attending or recently attended has closed you would be considered eligible for a student loan discharge.


Total & Permanent Disability Discharge

If an unfortunate accident occurs, leaving you totally and permanently disable, you may qualify for a Disability Discharge from your student loan payments. 


Discharge Due To Death

Federal Student Loans will be discharged in the event the borrower of the loan or student dies.


Discharge In Bankruptcy

Although extremely rare in most cases, there is a chance of loan discharge in the event the borrower declares bankruptcy. However, this is not an automatic discharge and requires further action if eligible. 

Borrower Defense To Repayment

In some instances, borrowers can be eligible for student loan forgiveness if the school or educational services program has failed the student regarding the funds distributed by the loan. This applied only to Federal Student Loans and varies on a case by case basis.


False Certification Discharge

If you were falsely certified to received a Federal Student Loan by the school in which you enrolled, you may be eligible to be discharged from said loan.


Unpaid Refund Discharge

If you withdrew from a school, and the school failed to refund the loan servicer, you may be eligible for a discharge from said loan.


Eligibility For Parent Borrowers

If you, the parent, obtained the loan for the student and any of the above conditions are satisfied you and your child would be eligible to be discharged from student loan payments. 



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