You can get your loans forgiven or reduced if you are:
- Totally disabled;
- Working in a Public Interest job (including military, government, and non-profit);
- Working as a Teacher; or
- Not making enough money to pay your loans. The Education Department has 4 terrific programs to lower your monthly payments that many students aren’t aware of. Read more and apply here.
- A member of the:
You can also apply to get your federal student loans forgiven (and even get reimbursed for loans you already paid) if your school:
- Took out loans in your name without your permission or signed your name without your knowledge (application form is here);
- Defrauded or deceived you (online application form is here);
- Closed (and you were enrolled within 120 days of its closure) (application form is here); or
- Wrongly enrolled you in a program you couldn’t benefit from (such as if you lacked a GED) (application form is here).
Active duty? You have extra rights!
- No loan – private or federal – can charge you more than 6% interest rate while you’re on active duty, and 0% interest rate if you’re serving in a hostile area. Learn more here.
- You are entitled to postpone your loan payments while you’re on active duty.
- You’re also entitled to be excused from having to file routine paperwork with the Education Department while on active duty.
- The Defense Department will repay some loans in some situations. Ask your designated Military Personnel Officer for help finding out.
Please beware of scams. Apply only through the U.S. Education Department. Our free lawyers can help you with the paperwork.
Tips for Student Loan Borrowers here
Make informed choices about your GI Bill benefits, your school, and your career. It’s your future!
Free college and trade school tuition money exists through many scholarships for student veterans.
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Learn more about your rights, options, and ways to fight back against the school that closed its doors and left you stranded.
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