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 Direct Subsidized, Unsubsidized, or PLUS Loans
Federal Perkins Loans Brown Institutional Loans

Total and Permanent Disability Discharge

X

X

X

Death Discharge

X

X

X

Teacher Loan Forgiveness

X

 

Public Service Loan Forgiveness

X

 

Perkins Loan Cancellation and Discharge (includes Teacher Cancellation)

 

X

Application Process & Important Tips

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.)

  • Cancellation/forgiveness 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.

Direct Subsidized, Unsubsidized, 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)

Perkins Loan Cancellation Chart

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 Tools

The PSLF Help Tool will

  • help borrowers understand more about the PSLF Program and what is needed to participate and possibly have their loans forgiven;
  • help borrowers assess whether their employer qualifies for PSLF;
  • help borrowers assess whether their loans qualify for PSLF;
  • help borrowers decide which PSLF form to submit; and
  • use the information we have about borrowers’ federal student loans to explain other actions borrowers should or must take if they want to receive PSLF.