Perkins Loan Cancellation And Discharge

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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.

Cancellation Conditions Amount Forgiven
Borrower’s total and permanent disability or death 100 percent
Bankruptcy (in rare cases—cancellation is possible only if the bankruptcy court rules that repayment would cause undue hardship) 100 percent
Closed school (before student could complete program of study); applies to loans received on or after Jan. 1, 1986 100 percent
Service in the U.S. armed forces in a hostile fire or imminent danger pay area Up to 50 percent for borrowers whose active duty service ended before Aug. 14, 2008

Up to 100 percent for borrowers whose active duty service includes or began on or after Aug. 14, 2008

Full-time firefighter (for service that includes Aug. 14, 2008, or began on or after that date) Up to 100 percent
Full-time law enforcement or corrections officer Up to 100 percent
Full-time nurse or medical technician Up to 100 percent
VISTA or Peace Corps volunteer Up to 70 percent
Librarian with a master’s degree working in a Title I-eligible elementary or secondary school or in a public library serving Title I-eligible schools (for service that includes Aug. 14, 2008, or began on or after that date) Up to 100 percent
Full-time attorney employed in a federal public or community defender organization (for service that includes Aug. 14, 2008, or began on or after that date) Up to 100 percent
Full-time employee of a public or nonprofit child- or family-services agency providing services to high-risk children and their families from low-income communities Up to 100 percent
Full-time staff member in the education component of a Head Start program Up to 100 percent
Full-time staff member in a prekindergarten or child care program that is licensed or regulated by a state (for service that includes Aug. 14, 2008, or began on or after that date) Up to 100 percent
Full-time qualified professional provider of early intervention services for the disabled Up to 100 percent
Full-time speech pathologist with a master’s degree working in a Title I-eligible elementary or secondary school (for service that includes Aug. 14, 2008, or began on or after that date) Up to 100 percent
Full-time special education teacher of children with disabilities in a public or other nonprofit elementary or secondary school Up to 100 percent
Full-time teacher of math, science, foreign languages, bilingual education, or other fields designated as teacher shortage areas Up to 100 percent
Full-time special education teacher of children with disabilities in an educational service agency (for service that includes Aug. 14, 2008, or began on or after that date) Up to 100 percent
Full-time teacher in a designated educational service agency serving students from low-income families (for teaching service that includes Aug. 14, 2008, or began on or after that date) Up to 100 percent
Full-time faculty member at a tribal college or university (for service that includes Aug. 14, 2008, or began on or after that date) Up to 100 percent
Loans That Qualify
  • Perkins loans
Next Steps

To apply, contact your loan holder—which may be the school that you attended.

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