Student Loan Relief

Warning: Use of undefined constant php - assumed 'php' (this will throw an Error in a future version of PHP) in /home/customer/www/forgivemystudentloans.com/public_html/wp-content/themes/responsive-child/post-meta-page.php on line 22

Forgiveness, cancellation, and discharge of your loan means that you are no longer expected to repay your loan.

When can my federal student loans be forgiven, canceled, or discharged?

You must repay your loans even if you don’t complete your education, can’t find a job related to your program of study, or are unhappy with the education you paid for with your loan. However, certain circumstances might lead to your loans being forgiven, canceled, or discharged. The list below is a quick view of the types of forgiveness, cancellation, and discharge.

Type of Forgiveness Cancellation or Discharge	Direct Loans	FFEL Loans	Perkins Loans
Total and Permanent Disability Discharge
Death Discharge
Discharge in Bankruptcy (In rare cases)
Closed School Discharge
False Certification of Student Eligibility or Unauthorized Payment Discharge
Unpaid Refund Discharge
Teacher Loan Forgiveness
Public Service Loan Forgiveness
Perkins Loan Cencellation and Discharge

Looking for information about the Civil Legal Assistance Attorney Student Loan Repayment Program (CLAARP)? The CLAARP application process is closed.

To view charts of discharges by loan type as well as discharge applications, please click here

Total and Permanent Disability (TPD) Discharge

You may be eligible for a TPD Discharge on your federal student loans if you are unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment that:

Can be expected to result in death
Has lasted for a continuous period of not less than 60 months
Can be expected to last for a continuous period of not less than 60 months; or
Has been determined by the Secretary of Veterans Affairs to make you unemployable due to a service-connected disability. To apply for this discharge, you must have a physician certify the discharge application. For more information, go to Total and Permanent Disability Discharge.

Student Loan Relief

When can my federal student loans be forgiven, canceled, or discharged?

Total and Permanent Disability (TPD) Discharge

How do i find out if I qualify and how do i apply to have my loan forgiven, canceled, or discharged?

Do I need to make payments while my discharge application is being reviewed?

What happens if my loan discharge is approved?

What happens if my loan discharge is denied?

Common Questions