Cancellation & Forgiveness

You must repay your loans even if you don’t complete your education, can’t find a job related to your program of study, or are unhappy with the education you paid for with your loan.  However, certain circumstances might lead to your loans being forgiven, canceled, or discharged.

Type Federal Direct Stafford / PLUS Loans
Federal Perkins Loans Brown Institutional Loans

Total and Permanent Disability Discharge




Death Discharge




Teacher Loan Forgiveness



Public Service Loan Forgiveness



Perkins Loan Cancellation and Discharge (includes Teacher Cancellation)



Important Tips

  • Cancellation/forgivenss is not automatic; borrowers must submit a completed application to their servicer.
  • The servicer will determine eligibility and notify the borrower once the request has been processed.
  • The borrower is responsible to continue making regular monthly payments until the request has been processed.

Application Process

Borrowers must contact their loan servicer to apply for any of the cancellation or forgiveness options.(A servicer is the organization/entity responsible for collecting payments and managing the loan during repayment.)

Federal Direct Stafford or PLUS Loans:  Your loan servicer will provide details and forms needed to complete the application process. Borrowers can identify their loan servicer by looking up their loan details on NSLDS (National Student Loan Database System).

Federal Perkins or Institutional Loans:  The Brown University Loan Office will handle your requests.  You will need to complete the appropriate application form (below) and return the original form to the Loan Office for processing.  NOTE:  Submitted forms must be original, fax copies are not accepted.

Forms (for Perkins or Institutional Loans only)

(NOTE: Your federal loan servicer will provide cancellation/forgiveness forms for Federal Direct Loans - Stafford/PLUS)

Cancellation and Pre-Cancellation for Perkins Loans
Teacher Cancellation and Pre-Cancellation for Perkins Loans

Total & Permanent Disability for Perkins Loans
Total & Permanent Disability for Institutional Loans

Urban Education Loan Cancellation


Public Service Loan Forgiveness Flyer

Perkins Loan Cancellation Chart