Obviously, there must be extended circumstances to have a loan cancellation approved.

However, cancellation over deferment or forbearance sometimes is needed and is not unusual. Qualification is done via application from your lender or through the Department
of Education’s Debt Collection Services Office (phone: 800-621-3115). Be certain to return all needed support documentation.

Reasons for cancellation are more intense though somewhat similar to reasons for deferment:

• Total disability

• Death of the member

• Member of armed services

• Certain full time teachers, nurse, medical tech, law enforcement, correction officer

• Certain professions working with disabled, or low-income high-risk children and their families

• Certain staff and volunteers for Head Start VISTA, or Peace Corp