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Forgive + Cancel Loans

See if Your Loan(s) Is Eligible for Forgiveness or Cancellation

In specific circumstances, a portion or all of your loans may be forgiven or cancelled. This is dependent on factors like your chosen career, disability status, school-related issues or repayment plan.

Public Service Loan Forgiveness Programs

To encourage students to pursue certain careers, the federal government has created many programs that forgive some or all of a borrower's federal student loan debt. This means that certain careers in government, the military and education, including certain teaching jobs, may qualify you for loan forgiveness. Forgiven debt may be treated as taxable income—consult a tax professional.

The specifics of the programs may change frequently. For the latest information about loan forgiveness, visit, the Federal Student Aid (FSA) website.

Loan Cancellation

All federal student loans have built-in protection for borrowers so that in certain limited situations, federal student loans may be canceled. Generally this happens if the school you attended closed while you were there, or some form of fraud occurred. Loans may also be canceled if a borrower qualifies as totally and permanently disabled, or dies.

Go to the U.S. Department of Education website at for more information or to apply for loan cancellation due to total and permanent disability. If you need additional help, contact Solutions at ECMC. You can also download other cancellation forms.