Not all federal student loans have the same forgiveness, cancellation, or discharge options.

Discharge provisions differ depending on whether you have a Direct Loan, a FFEL Program loan, or a Federal Perkins Loan.

Forgiveness, Cancellation, and Discharge Charts

The following charts provide an overview of the provisions and links to discharge applications.

Direct Loan and FFEL Program Loan Forgiveness, Cancellation, and Discharge Summary Chart
Federal Perkins Loan Cancellation and Discharge Summary Chart

To apply for loan forgiveness, cancellation, or discharge, contact your loan servicer.


Direct Loan and FFEL Program Loan Forgiveness, Cancellation, and Discharge Summary Chart

Loan Discharge Applications

The following is a list of loan discharge applications. If you have a Direct Loan or FFEL Program loan and you’re ready to apply for forgiveness, cancellation, or discharge, you must contact your loan servicer.


Federal Perkins Loan Cancellation and Discharge Summary Chart

This chart includes a list of cancellation provisions for Federal Perkins Loans. If you have a Federal Perkins Loan, you must apply to the school that made the loan or to the loan servicer the school has designated. If you have any questions on Perkins Loan cancellation, contact the school or loan servicer.

 

Note: As of Oct. 7, 1998, all Perkins Loan borrowers are eligible for all cancellation benefits regardless of when the loan was made or the terms of the borrower's promissory note. However, this benefit is not retroactive to services performed before Oct. 7, 1998.