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howdy this video will walk you through how to reduce or cancel loans in your financial aid portal lets get started first there are a few things to remember when canceling or reducing loans you can only cancel or reduce loans that are in your name for example you could reduce or cancel a subsidized unsubsidized or alternative loan but you cannot reduce or cancel a Parent PLUS loan the original borrower would need to make that request you can cancel or reduce a federal loan up to 120 days after that loan disperses into your account within that 120 day period your loan will not accrue interest so if you reduce or cancel within that time frame you will only be giving back the amount of the loan and no additional interest timing and timing and specific rules for cancellation or reduction of alternative loans is up to the discretion of the lender contact your alternative loan provider if you have questions about how to reduce or cancel an alternative loan only reduce or cancel loans through