Loan Forgiveness, Cancellation, and Discharge

You must repay your loans even if you don’t earn a degree, can’t find a job, or are unhappy with your education. However, under certain conditions your loan can be forgiven, canceled, or discharged. Forgiveness, cancellation, and discharge means that you are no longer expected to repay your loans.

We’ve teamed up with Solutions at ECMC to answer all of your student loan repayment questions. Solutions is a non-profit organization dedicated to helping students manage educational loans and their resources are available to you free of charge. To contact a Solutions Student Loan Repayment Advisor, email or web chat, or call them at 1-877-331-3262.

The table below lists types of forgiveness, cancellation, and discharge.

Type of Forgiveness, Cancellation, or Discharge

Direct Loans

Federal Family Education Loan (FFEL) Program Loans

Perkins Loans

Total and Permanent Disability Discharge

X

X

X

Death Discharge

X

X

X

Discharge in Bankruptcy (in rare cases)

X

X

X

Closed School Discharge

X

X

False Certification of Student Eligibility or Unauthorized Payment Discharge

X

X

Unpaid Refund Discharge

X

X

Teacher Loan Forgiveness

X

X

Public Service Loan Forgiveness

X

Perkins Loan Cancellation and Discharge (includes Teacher Cancellation)

X

 

For more information on each category click on the links above.