How do I apply to have my federal student loan discharged?

Marilyn Rodriguez Updated by Marilyn Rodriguez

IMPORTANT: The updated online application for borrower defense will become available on July 30, 2023. To apply before July 30, please follow the instructions on the PDF version of the application.

You may be eligible for a 100 percent discharge of your William D. Ford Federal Direct Loan (Direct Loan) Program loans, Federal Family Education Loan (FFEL) Program loans, or Federal Perkins Loans if you were unable to complete your program because your school closed, and if

  • you were enrolled when your school closed;
  • you were on an approved leave of absence when your school closed;
  • your school closed within 120 days after you withdrew, if your loans were first disbursed before July 1, 2020; or
  • your school closed within 180 days after you withdrew, if your loans were first disbursed on or after July 1, 2020.

Apply for Borrower Defense Loan Discharge

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