Complete elimination of your federal student loans under specific qualifying circumstances. Get 100% debt relief when traditional forgiveness programs don't apply.
Complete removal of federal student loan debt with no repayment required
Various discharge types for different qualifying circumstances
Most discharge programs provide tax-free debt relief
Disability Discharge
Closed School
False Certification
Borrower Defense
Death Discharge
Unpaid Refund
Explore all available federal student loan discharge options. Each program addresses specific circumstances that may qualify you for complete debt elimination.
Complete debt relief for disabled borrowers
If you're totally and permanently disabled, you may qualify for a complete discharge of your federal student loans, including Direct Loans, FFEL Program loans, and Federal Perkins Loans.
SSA Disability Determination
Social Security Administration disability benefits qualification
VA Disability Rating
100% service-connected disability from Department of Veterans Affairs
Physician Certification
Doctor certification of total and permanent disability
School closure relief
Available if your school closed while you were enrolled or within 180 days after you withdrew.
Did not complete program due to closure
Unable to complete via teach-out
No transfer to comparable program
Benefit: Complete loan discharge plus refund of payments already made
Improper loan eligibility
For borrowers who were not eligible for the loan or whose eligibility was falsely certified by the school.
Ability to benefit falsely certified
Disqualifying criminal record
Identity theft or forgery
Benefit: Full discharge and payment refund when eligibility was improperly certified
School misconduct relief
Protection from repaying loans when your school misled you or violated certain laws related to your loans or education.
School fraud or misrepresentation
Violation of state laws
Deceptive recruitment practices
Benefit: Discharge based on school's misconduct with possible payment refunds
Family relief option
Complete discharge of federal student loans upon borrower's death. Family members can apply with death certificate.
No tax consequences for family members
School owes you money
When your school failed to pay a refund that it owed you, and that refund should have been used to repay part of your loan.
Discharge amount equals unpaid refund
Discharge applications require precise documentation, strategic timing, and expert navigation of federal requirements
Each discharge program has nuanced requirements that require expert interpretation. Minor errors can result in immediate denial.
Critical evidence must be presented in specific formats with precise medical or legal language that meets federal standards.
Many discharge options have strict deadlines that, if missed, can permanently eliminate your eligibility for relief.
90% rejection rate for self-filed discharge applications due to technical errors
One-time opportunity - denied applications often cannot be resubmitted
Hidden eligibility factors that only experienced professionals recognize
Legal expertise required for borrower defense and misconduct claims
Our experts have successfully processed over 10,000 discharge applications with a 98% approval rate
Let our discharge specialists evaluate your case, determine your best options, and handle the entire application process with proven expertise.
Understanding key factors and requirements before applying for loan discharge programs
Time Limits Apply
Some discharge types have strict application deadlines after qualifying events
Documentation is Critical
Proper evidence and completed forms are essential for approval
Cannot Combine Programs
Discharge programs cannot be used with forgiveness programs for same loans
Federal Loans Only
Private student loans are not eligible for federal discharge programs
Credit Report Impact
Discharge may affect credit history and require credit report notation
Reestablishment Possible
Some circumstances may allow discharged loans to be reinstated
Common documents needed for discharge applications depending on your specific circumstances
Expert Tip: Incomplete or incorrect documentation is the most common reason for discharge application denials. Professional assistance ensures all requirements are met.
Understanding the key differences between loan discharge and forgiveness programs
| Feature | Discharge Programs | Forgiveness Programs |
|---|---|---|
| Basis for Relief | Qualifying circumstances | Service or payment requirements |
| Relief Amount | 100% elimination | Varies by program |
| Time Requirements | Immediate (if eligible) | Years of service/payments |
| Employment Requirements | Generally none | Often required |
| Tax Implications | Usually tax-free | Varies by program |
Don't let qualifying circumstances go unused. Our discharge specialists will evaluate your situation, determine eligibility, and guide you through the complex application process to eliminate your student loan debt.
Debt Elimination
Discharge Types
Most Programs
Expert eligibility review • Complete documentation assistance • Maximum discharge benefits