There may be a requirement at some stage where students may want to discharge their student loans, under certain circumstances, and although the qualifications can be strict, this may be able to be achieved.

These strict guidelines must be adhered to both when applying for a discharge and also when receiving one. Some of these criteria are listed below.

The Obvious:

· If the student dies (death certificate required).

· If the student becomes permanently disabled.


In the case of a loan discharge, the student involved must be permanently and completely disabled. This is also defined as being not able to work and earn an income due to an illness/injury that will most likely end in death.

It will pay you to check the laws in your state as these rules are continually being updated.

In some cases, only a conditional cancellation may be issued, this may last up to three years from when the student became disabled.

Another thing to consider is that if the conditions of the loan are not met, then the loan will revert back to its original state.

In either case, a doctor’s certification will also be required that will state the nature and details of the students illness/injury.


It may be possible to receive a discharge if the educational institution actually closes.


It may be possible to also obtain a discharge if the loan was approved in spite of the fact that the student did not meet the requirements of the loan conditions.

Also, f the school does not meet the necessary requirements to provide adequate training or lessons to meet the student’s educational requirements.

Discharges can also be given for teachers working in low income educational facilities or who work in public schools.

Doctors working in low income areas may also be able to receive a discharge.

Another situation would be if the Student becomes bankrupt, then they may be eligible for a discharge, this would be dependent on a court ruling that would state that the student will be subjected to unfair hardship.

Bottom Line

It is always up to the student to make sure that he does the necessary research to see what rules, regulations and conditions actually apply to him (or her).

A quick and easy web search should bring us a host of information about the latest changes to any legislation that may also be applicable.

I trust that you have found some more useful tip in this short report about student loans and discharging your loan.