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Loan Forgiveness and Discharge

Student loan debt may be forgiven or discharged in certain circumstances.

If you think you may qualify for loan forgiveness or discharge, or if you have questions, please contact us for assistance.

Specialized Careers

If you perform certain types of work, some of your qualifying loan debt may be forgiven. Learn more about programs for:

Death or Total and Permanent Disability

Different loan programs have different requirements in the unfortunate event of:

  • A borrower's death or total and permanent disability.
  • A cosigner's death or total and permanent disability.
  • The death or total and permanent disability of the student for whom the funds were borrowed.

Please call us to determine if your loan debt or obligations may be forgiven under these circumstances. If you qualify for loan forgiveness, please consult a tax professional or the IRS for information about possible tax consequences.

Income-Based Repayment

If you make qualifying payments under the Income-Based Repayment (IBR) Plan for 25 years, the remaining debt may be forgiven. Learn more about Income-Based Repayment at studentaid.gov.

False Certification, School Closure and Unpaid Refund

Under rare circumstances, qualifying federal loans may be forgiven if your school closed before you completed your program, if your school falsely certified your eligibility or if your identity was illegally used to obtain a loan in your name, or if your school did not issue a required refund when you withdrew from school.


Student loans are not automatically discharged by bankruptcy — the borrower must prove that repaying the loans would cause undue hardship to have them discharged by the bankruptcy court.

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