Borrowers whose Title IV debt burden equals or exceeds 20% of their gross income may be eligible for a repayment forbearance deferment. This deferment can be granted for up to six months per request and cannot exceed three years. This deferment allows the temporary postponement of only principal repayments; interest continues to accrue or allows the reduction of repayment amount for a limited time. This deferment also allows a six month grace period before repayment resumes. To request your loan to be placed in Forbearance, you must submit the General Forbearance Deferment Request form. All applicable sections of the forms must be completed in full. Additional documentation may be requested by our office. The completed forms must be returned to our office for the forbearance to be granted.

Borrowers who are full time students enrolled in a course of study that is part of a graduate fellowship program approved by the Department. This deferment can be granted for up to one year per request and reapplied for if you remain eligible. This deferment allows the suspension of principal and interest (and interest does not accrue) repayments during the deferment period and allows a six month grace period before repayment resumes. To request your loan to be placed in deferment based Graduate Fellowship criteria, you must print and complete the Graduate Fellowship Request form which must be certified by an authorized program official. The Graduate Fellowship Request form must be received by our office in order to defer your repayment. If your program prefers to use its own official certification, you may submit their certified form in lieu of our Graduate Fellowship Request form. If you should leave the program during a period of deferment, contact our office immediately.

Borrowers who are enrolled at least half-time in an eligible institution may be eligible for a repayment deferment. This deferment can be granted for up to one year per request and reapplied for if you remain eligible. This deferment allows the suspension of principal and interest (and interest does not accrue) repayments during the deferment period and allows a six month grace period before repayment resumes. To request your loan to be placed in deferment based on the criteria you are enrolled at least half-time at an eligible institution, you must print and complete the In-School Deferment form which must be certified and officially stamped by the Registrar at the school you are attending. The In-School Deferment form must be received by our office in order to defer your repayment. If your school prefers to use its own official certification, you may submit their certified form in lieu of our In-School Deferment form. Remember, if you did not attend school, you will be asked to make payment for all prior months in which your loan was in deferred status when you became ineligible. If you should leave school during a period of deferment, contact our office immediately.

Borrowers who serve on active duty or performing qualifying National Guard duty in connection with a war, military operation or national emergency may be able to defer repayment. This deferment ends 180 days after the borrower’s demobilization date for the eligible active duty or National Guard service. There are other criteria that you must meet in order to qualify for this deferment, so to request your loan to be placed in deferment based on military service, you must contact our office for further instructions.

Borrowers who are enrolled in a course of study which is a U.S. Department of Education approved rehabilitation training program for disabled persons may qualify for a loan deferment. This deferment can be granted for up to one year per request and reapplied for if you remain eligible. This deferment allows the suspension of principal and interest (and interest does not accrue) repayments during the deferment period and allows a six month grace period before repayment resumes. To apply for this deferment, please contact our office.

Borrowers who are eligible for a service cancellation may be eligible for a repayment deferment. This deferment is allowed during the year of qualifying service and or employment and allows the suspension of principal and accruing interest repayments. At the end of the deferment period, borrowers who remain eligible would be able to cancel a portion of the loan and then reapply for another deferment. For more information on these types of deferments, please read the service cancellations section.

Borrowers who become temporarily totally disabled due to illness or injury and unable to an attend school or be gainfully employed during a reasonable period of recovery may qualify for a deferment upon receipt of medical documentation evidence, certified by a physician’s affidavit. If you would like to inquire about one of these two options, please contact our office or visit the following website: http://www.disabilitydischarge.com

Borrowers who are seeking, but are unable to find full time employment may be eligible for a repayment deferment. This deferment can be granted for up to six months per request and cannot exceed three years. This deferment allows the suspension of principal and interest (and interest does not accrue) repayments during the deferment period and allows a six month grace period before repayment resumes. To request your loan to be placed in deferment based on the criteria of unemployment, you must submit to our office the Unemployment Deferment form. All applicable sections of the form must be completed in full. Additional documentation may be requested by our office. The completed form must be returned to our office for the deferment to be granted.

Borrowers employed as full-time qualified professional providers of early intervention services in a public or other non profit program under public supervision may qualify for a full or partial loan cancellation. Early intervention services are defined under section 672(2) for the Individuals with Disabilities Education Act. Services must be provided to infant and toddlers with disabilities defined as those who a) have diagnosed physical or mental conditions with high probabilities of resulting developmental delay or b)are experiencing developmental delays in the areas of cognitive development, physical development, language and speech development, psychosocial development, or self-help skills. To request a cancellation for qualified Early Intervention service, complete the Deferment OR Partial Cancellation Certification form. The service and employment dates must be officially verified by your employer. You also may be asked to provide additional documentation to verify your qualification for a cancellation. The form and if necessary any additional documentation must be returned to our office before your loan can be placed in a deferred status pending completion of a year’s worth of service or a cancellation can be granted. A request for cancellation will be due for each year of service rendered and it is the borrower’s responsibility to file the appropriate cancellation forms by the specified due dates.

Borrowers who are employed as a full-time firefighter may qualify for a full or partial loan cancellation. To request a cancellation for qualified Firefighter service, complete the Deferment OR Partial Cancellation Certification form. The service and employment dates must be officially verified by your employer. You also may be asked to provide additional documentation to verify your qualification for a cancellation. The form and if necessary any additional documentation must be returned to our office before your loan can be placed in a deferred status pending completion of a year’s worth of service or a cancellation can be granted. A request for cancellation will be due for each year of service rendered and it is the borrower’s responsibility to file the appropriate cancellation forms by the specified due dates.

Borrowers who are employed as a full-time professional staff member to carry out the educational part of a Head Start program may qualify for a full or partial loan cancellation. The program must operate for a full academic year or its equivalent and the borrower's salary may not be more than that of a comparable employee working for a local educational agency. To request a cancellation for qualified Head Start Program service, complete the Deferment OR Partial Cancellation Certification form. The service and employment dates must be officially verified by your employer. You also may be asked to provide additional documentation to verify your qualification for a cancellation. The form and if necessary any additional documentation must be returned to our office before your loan can be placed in a deferred status pending completion of a year’s worth of service or a cancellation can be granted. A request for cancellation will be due for each year of service rendered and it is the borrower’s responsibility to file the appropriate cancellation forms by the specified due dates.

Borrowers who are employed as a full time nurse or medical technician providing health care services directly to patients may qualify for a full or partial loan cancellation. Nurses must be licensed practical nurses, registered nurses, or other nurses licensed by the appropriate state agency to provide nursing services. Medical technicians are defined as certified, registered or licensed allied health professionals who assist, facilitate or complement the work of physicians and other specialists in health care system. Examples of related fields of employment are: therapy, dental hygiene, medical technology or nutrition. To request a cancellation for qualified Health Care service, complete the Deferment OR Partial Cancellation Certification form. The service and employment dates must be officially verified by your employer. You also may be asked to provide additional documentation to verify your qualification for a cancellation. The form and if necessary any additional documentation must be returned to our office before your loan can be placed in a deferred status pending completion of a year’s worth of service or a cancellation can be granted. A request for cancellation will be due for each year of service rendered and it is the borrower’s responsibility to file the appropriate cancellation forms by the specified due dates.

Borrowers who are employed as full-time qualifying law enforcement or corrections officer at an eligible employment agency may qualify for a full or partial loan cancellation. Borrowers must meet two requirements: 1) be employed by an eligible agency and 2) be employed full-time in a position which is considered essential to the agency's primary mission. The employment agency must be: A publicly funded local, state or federal agency whose activities pertain to crime prevention, control, reduction and/or enforcement of criminal law. Such activities include: police efforts to prevent, control, or reduce crime or to apprehend criminals; activities of courts and related agencies having criminal jurisdiction; activities of corrections, probation, or parole authorities; and problems relating to the prevention, control, or reduction of juvenile delinquency or narcotic addiction. For the borrower's service to be considered essential to the agency's primary mission, the borrower must be full-time, a sworn officer, or person whose principal responsibilities are unique to the criminal justice system and are essential in the performance of the agency's primary mission (i.e. supportive positions are not eligible). To request a cancellation for qualified Law Enforcement service, complete the Deferment OR Partial Cancellation Certification form. The service and employment dates must be officially verified by your employer. You also may be asked to provide additional documentation to verify your qualification for a cancellation. The form and if necessary any additional documentation must be returned to our office before your loan can be placed in a deferred status pending completion of a year’s worth of service or a cancellation can be granted. A request for cancellation will be due for each year of service rendered and it is the borrower’s responsibility to file the appropriate cancellation forms by the specified due dates.

Borrowers who are employed as a full-time librarian with a master’s degree, working in an elementary school eligible for assistance under Title I of the Elementary and Secondary Education Act (ESEA-I) or in a public library, serving an area containing an ESEA-I eligible school, may qualify for a full or partial loan cancellation. To request a cancellation for qualified Librarian service, complete the Deferment OR Partial Cancellation Certification form. The service and employment dates must be officially verified by your employer. You also may be asked to provide additional documentation to verify your qualification for a cancellation. The form and if necessary any additional documentation must be returned to our office before your loan can be placed in a deferred status pending completion of a year’s worth of service or a cancellation can be granted. A request for cancellation will be due for each year of service rendered and it is the borrower’s responsibility to file the appropriate cancellation forms by the specified due dates.

Borrowers serving a complete year of full-time active duty in the Armed Forces, the National Guard or the Reserves may qualify for a partial loan cancellation of up to 50% of the original loan amount. The service must be in an area of hostilities or an area of imminent danger which qualifies for special pay under Section 310 of Title 37 of the U.S. Code. A complete year is defined as 12 consecutive months. Service for less than a complete year or any fraction of a year does not qualify. To request a cancellation for Armed Forces service, complete the Deferment OR Partial Cancellation Certification form. The service and dates of service rendered must be officially verified by your Commanding Officer. You also may be asked to provide additional documentation to verify your qualification for a cancellation. The form and if necessary any additional documentation must be returned to our office before your loan can be placed in a deferred status pending completion of a year’s worth of service or a cancellation can be granted. A request for cancellation will be due for each year of service rendered and it is the borrower’s responsibility to file the appropriate cancellation forms by the specified due dates.

Borrowers who perform service as a volunteer (as defined under Title I, Part A of the Domestic Volunteer Service Act of 1973) in the Peace Corps or Americorps*VISTA may qualify for a partial cancellation of up to 70% of the original loan amount. To request a cancellation for Peace Corps or Americorps*VISTA service, complete the Deferment OR Partial Cancellation Certification form. The service and dates of service rendered must be officially verified by an authorized official of the program. You also may be asked to provide additional documentation to verify your qualification for a cancellation. The form and if necessary any additional documentation must be returned to our office before your loan can be placed in a deferred status pending completion of a year’s worth of service or a cancellation can be granted. A request for cancellation will be due for each year of service rendered and it is the borrower’s responsibility to file the appropriate cancellation forms by the specified due dates.

Borrowers who are employed as a full-time attorney in a public defender organization may qualify for a full or partial loan cancellation. To request a cancellation for qualified full time attorney in a public defender organization service, complete the Deferment OR Partial Cancellation Certification form. The service and employment dates must be officially verified by your employer. You also may be asked to provide additional documentation to verify your qualification for a cancellation. The form and if necessary any additional documentation must be returned to our office before your loan can be placed in a deferred status pending completion of a year’s worth of service or a cancellation can be granted. A request for cancellation will be due for each year of service rendered and it is the borrower’s responsibility to file the appropriate cancellation forms by the specified due dates.

Borrowers who are employed as a full-time speech language pathologist with a master’s degree working exclusively with an elementary school eligible for assistance under Title I of the Elementary and Secondary Education Act (ESEA-I) may qualify for a full or partial loan cancellation. To request a cancellation for qualified Speech Language Pathologist service, complete the Deferment OR Partial Cancellation Certification form. The service and employment dates must be officially verified by your employer. You also may be asked to provide additional documentation to verify your qualification for a cancellation. The form and if necessary any additional documentation must be returned to our office before your loan can be placed in a deferred status pending completion of a year’s worth of service or a cancellation can be granted. A request for cancellation will be due for each year of service rendered and it is the borrower’s responsibility to file the appropriate cancellation forms by the specified due dates.

Borrowers who are full time teachers employed by educational service agencies may qualify for a full or partial loan cancellation. Teacher cancellations are not only based on position title but mainly on job duties. Listed below are some of the areas that qualify for this cancellation. Remember each one has certain criteria you must meet in order to qualify and you should call our office to determine your eligibility.

• Full time teaching in a Low Income School
• To confirm a school qualifies as a low income school, please go to the following website: https://www.tcli.ed.gov/CBSWebApp/tcli/TCLIPubSchoolSearch.jsp
• Full time teaching in a designated Subject Shortage area
• Full time teaching in Special Education
• Full time teaching in a Preschool or Prekindergarten or Child Care Program
• Full time teaching in a designated Non-Profit (with the IRS) Private School and is providing elementary and or secondary education according to state law
• Part time teaching at Multiple Schools

To request a cancellation for qualified teaching service, complete the Deferment OR Partial Cancellation Certification form. The service and employment dates must be officially verified by the school where you are employed. You also may be asked to provide additional documentation to verify your qualification for a cancellation. The form and if necessary any additional documentation must be returned to our office before your loan can be placed in a deferred status pending completion of a year’s worth of service or a cancellation can be granted. A request for cancellation will be due for each year of service rendered and it is the borrower’s responsibility to file the appropriate cancellation forms by the specified due dates.

Borrowers who are full time faculty members at a tribal college may qualify for a full or partial loan cancellation. To request a cancellation for qualified full time faculty member at a tribal college service, complete the Deferment OR Partial Cancellation Certification form. The service and employment dates must be officially verified by the school where you are employed. You also may be asked to provide additional documentation to verify your qualification for a cancellation. The form and if necessary any additional documentation must be returned to our office before your loan can be placed in a deferred status pending completion of a year’s worth of service or a cancellation can be granted. A request for cancellation will be due for each year of service rendered and it is the borrower’s responsibility to file the appropriate cancellation forms by the specified due dates.

Borrowers who become totally and permanently disabled after receiving loan funds may qualify for a full or partial loan cancellation upon receipt of medical documentation evidence, certified by a physician’s affidavit. In the event of a borrower’s death, the borrower’s family may send us an original or certified copy of the death certificate and the loan can be discharged. If you would like to inquire about one of these two options, please contact our office or visit the following website: http://www.disabilitydischarge.com.