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Federal Loan Forgiveness, Cancellation, and
Discharge

Under certain circumstances, your outstanding federal student loan balance may be forgiven or canceled (discharged).

Go to the Federal Student Aid website to see if you qualify due to your situation


Public Service Loan Forgiveness

If you get a job at a government or not-for-profit organization and repay your loans based on your income, you may qualify for forgiveness of your Direct Loans after 10 years of payments and employment.

See StudentAid.gov/publicservice for more information and for a form you can fill out when you start working to receive confirmation that your employment qualifies for the program.

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/teach-forgive for more information and a form you can fill out when you have completed your teaching service.

Discharge and Forgiveness Applications

Loan Discharge Application: School Closure

Loan Discharge Application: False Certification (Disqualifying Status)

Loan Discharge Application: False Certification (Unauthorized Signature/Payment)

Loan Discharge Application: Unpaid Refund

Loan Discharge Application: False Certification (Ability-to-Benefit)

Teacher Loan Forgiveness Application

Employment Certification for Public Service Loan Forgiveness

Total and Permanent Disability (TPD)

Discharge Application: Total and Permanent Disability

Total and Permanent Disability Discharge: Post-Discharge Monitoring

Total and Permanent Disability Discharge: Applicant Representative Designation

Or start your application on the TPD website

Once the TPD discharge application is complete, please mail it to the address below and include supporting documentation, if required.

U.S. Department of Education
P.O. Box 87130
Lincoln, NE 68501-7130

You also can email the U.S. Department of Education TPD servicer to initiate your application or check the status of your application.