Loan Discharge Application Use this form to request a false certification Direct Loan or FFEL Progra 2026

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  1. Click ‘Get Form’ to open it in the editor.
  2. Begin by filling out Section 1: Borrower Identification. Enter your Social Security Number, name, address, and contact information. If any details have changed, check the corresponding box.
  3. Proceed to Section 2: Unauthorized Signature/Payment Information. Answer the questions regarding your status as a borrower and provide necessary details about unauthorized signatures or payments.
  4. In Section 3: Borrower Certifications, read through the certifications carefully. By signing, you confirm that all information is accurate and authorize the Department of Education to process your application.
  5. Follow the instructions in Section 4 for completing the application accurately. Ensure you type or print clearly and attach any required documentation.
  6. Finally, review all sections for completeness before submitting your application as directed in Section 7.

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That means you wont have to pay back some or all of your loan(s). The terms forgiveness, cancellation, and discharge mean essentially the same thing. Public Service Loan Forgiveness is the most common way people apply to have their student loans forgiven.
The two main ways to get out of default are by rehabilitating your loan(s) or consolidating your loan(s). If you need help with your defaulted loan, contact the U.S. Department of Educations Default Resolution Group by calling 1-800-621-3115 or sending an email.
An employee or affiliate of the school signed your name on the loan application or promissory note without your authorization or endorsed your loan check or signed your authorization for electronic funds transfer without your knowledge, and the loan money wasnt given to you or applied to charges you owed to the school
You didnt receive a high school diploma or the equivalent, but your school certified your eligibility based on a high school graduation status or high school diploma falsified by the school or by a third party to which the school referred you.
The Self-Certification Form is a form that must be completed by an individual seeking to borrow a private education loan. The form must be signed in order for the borrower to receive the loan funds.

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You may be eligible for a False Certification discharge if: You didnt have a high school diploma or GED when you enrolled in college (Ability to Benefit). Someone who worked at your college signed your name on your loan documents without your knowledge or authorization (Unauthorized Signature / Forgery by School).
You may have your federal student loan discharged in bankruptcy only if you file a separate action, known as an adversary proceeding, requesting the bankruptcy court find that repayment would impose undue hardship on you and your dependents.
Put simply, Student loan forgiveness, cancellation, or discharge all mean that you are no longer required to repay some or all of your loan balance.

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