The terms for student loan discharge, forgiveness and cancellation forms mean nearly the same thing, but they’re used in different ways if you’re no longer required to make payments on your loans.
The school did something relating to my loan or the education services they provided that violated state law.
This form is not yet available. For information on loan forgiveness due to a borrower defense to repayment, please click on the button below.
When 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 in which you were being trained. This form may also be used by parent PLUS borrowers.
The school signed your name on the application or promissory note without your authorization or the school endorsed your loan check or signed your authorization for electronic funds transfer without your knowledge. NOT if the proceeds of the loan were delivered to you or applied to charges owed by you to the school. This form may also be used by parent PLUS borrowers.
If you didn’t have a high school diploma or GED when you enrolled and don’t think the school properly assessed or certified your ability to benefit from the education you paid for with this loan. This form may also be used by parent PLUS borrowers.
After you make your 120th qualifying monthly payment for PSLF, you will need to submit the PSLF application to receive loan forgiveness. You must be working for a qualifying employer at the time you submit the application for forgiveness and at the time the remaining balance on your loan is forgiven.
The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer. To benefit from Public Service Loan Forgiveness you should complete and submit the Public Service Loan Forgiveness Employment Certification Form (ECF). We will use the information you provide on the form to inform you if your employment qualifies and to confirm if you are making qualifying PSLF payments. In order to ensure you’re on track to receive forgiveness, you should continue to submit this form both annually and every time you switch employers.
When your school closes while you’re enrolled and you do not complete your program because of the closure or when your school closes within 120 days after you withdraw.
When you believe you don’t owe the full loan amount because the school should have returned some of the money it received. This form may also be used by parent PLUS borrowers.