Student Loan Forgiveness or Cancellation
Check your account
You can view most of your federal financial aid history, including Stafford loans, in the National Student Loan Clearinghouse System if you have a Personal Identification Number (PIN). If you don't have one, you can request one at the PIN site.
For Stafford Loans, you can usually get the most recent account information and make changes on-line at your lender's Web site. If your loan was made through the Direct Loan Program, you can get account information and make changes at the DL Servicing Web site.
Consider consolidation, forgiveness or cancellation options
If you're interested in consolidating your loans, visit the StudentLoanConsolidator.com or DL Consolidation site (for Direct Loans) or contact one of the holders of your Stafford Loans (if your loans were made through a private lender).
If you're teaching in a low-income school or a teacher shortage area, you may be eligible to defer payment on your loan or to cancel portions of the loan. Our Options for Teachers Web page explains who is eligible for deferment/cancellation and provides a list of low-income schools and shortage areas.
If you are a childcare provider and borrowed a Stafford loan on or after October 7, 1998 as a "new borrower," you may be eligible to have a portion of your loan cancelled. Click Here for more information.
The Department of Health and Human Services offers the Nursing Education Loan Repayment Program for nurses who serve in eligible facilities in areas experiencing a shortage of nurses.
Find out how to resolve closed school problems or defaulted loans
Check our Closed School Information to find out what you can do if you received a loan at a school that closed.
If your loan is in default, our Defaulted Student Loans section can help you how to get out of default.
The SFA Ombudsman assists borrowers in resolving difficult financial aid problems that they have not been able to resolve.
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