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Loan Discharge & Forgiveness

There are circumstances in which your Stafford or Perkins loan, or a portion of your loan, can be forgiven, or discharged. Below is a partial list of the most common forgiveness programs and discharge events. For a complete list, please contact Customer Service.

Federal Programs

Loan Forgiveness for Teachers

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

Public Service Loan Forgiveness (PSLF)

If you are employed by a government or not-for-profit organization, you may be able to receive loan forgiveness under the Public Service Loan Forgiveness Program.

The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your Direct Loans after you have made 120 (10 years) qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

Learn more to see whether you might qualify.

Temporary Expanded Public Service Loan Forgiveness (TEPSLF)

If some or all of the payments you made on your William D. Ford Federal Direct Loan (Direct Loan) Program loans were under a non-qualifying repayment plan for Public Service Loan Forgiveness (PSLF), you may become eligible for loan forgiveness through Temporary Expanded Public Service Loan Forgiveness (TEPSLF. This opportunity is temporary, has limited funding, and must be provided on a first come, first served basis. Once all of the funds are used, the TEPSLF opportunity will end.

Learn more to see whether you might qualify.

Loan Discharge

There are circumstances in which a student loan can be discharged, releasing the borrower of his or her obligation to repay a loan, such as Total and Permanent Disability and death. Typically, student loans are not discharged in cases of bankruptcy. If you think you may qualify to have your loan discharged, please contact your loan servicer.