In rare cases, all or a portion of a federal student loan may be discharged, relieving you of any further obligation to pay that portion of the remaining balance.

For example, your obligation to repay your loans may be discharged if you meet one of the following conditions:

• You die, or the dependent student for whom you obtained a PLUS loan dies.
• You meet the criteria for total and permanent disability.
• You prove undue hardship in an adversary proceeding before a bankruptcy court.
• You are unable to complete your studies because your school closes.
• Your school falsely certified your eligibility for a loan or failed to make a refund owed to your lender.
• Your loan was falsely certified due to the crime of identity theft.

If you believe that you qualify for one of these options, contact your lender or loan servicer for more information. You will be asked to submit the appropriate loan cancellation form and supporting documentation.