Student Loan Cancellation, Deferment & Forebearance

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If you can't make payments on one or more of your student loans, you may be able to postone payments temporarily through student loan deferment or forbearance. Or, if you qualify for certain programs you may be able to get rid of loans altogether through student loan cancellation. Below are details about each of these options, including the criteria to qualify.

Overview of Cancellation, Deferment & Forbearance

Student Loans: Cancellation, Deferment, and Forbearance
How to defer your student loan payments, or cancel your loans altogether.

Student Loan Cancellation Programs

Canceling Student Loans: School Closure, False Certification, Unpaid Refund
Sometimes you can get rid of your student loans altogether. Learn more.

Canceling Student Loans: Teaching, Volunteer Work, and Public Service
If you do public service work, teach, or volunteer after graduation, you might be able to cancel part or all of your student loans.

Canceling Student Loans: Permanent Disability or Death
If you are permanently disabled you may be able to discharge your student loans. If a student dies, the loan obligation ends.

Other Ways to Deal With Student Loans

Student Loan Debt in Bankruptcy
Usually you cannot wipe out student loans in bankruptcy, but there is one exception.

Getting Out of Student Loan Default
Find articles on student loan default, how to get out of default, and how the government can collect defaulted loans.

Questions on Cancellation, Deferment & Forbearance

Does being on disability get me out of paying student loans?