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How long are Perkins loans deferred?

A borrower may defer repayment on a Perkins Loan for up to three years, regardless of disbursement date and contrary provisions on the promissory note, if the borrower is seeking and unable to find full-time employment. Schools may determine the documents the borrower must provide to apply for this deferment.

Can a Perkins loan be discharged?

Application for cancellation or discharge of a Perkins Loan must be made to the school that made the loan or to the school's Perkins Loan servicer. The school or its servicer can provide forms and instructions specific to your type of cancellation or discharge.

Is a Perkins loan a federal student loan?

Loans made through the Federal Perkins Loan Program, often called Perkins Loans, are low-interest federal student loans for undergraduate and graduate students with exceptional financial need.

Will my Navient loans be Cancelled?

Yes. Navient is no longer servicing federal loans owned by the U.S. Department of Education. These loans were transferred to a new servicer, Aidvantage, in January 2022.

How do I know if my loan qualifies for forgiveness?

Borrowers who make less than $125,000 per year qualify and married couples with a combined income of $250,000 or less qualify. If you didn't finish college but have federal student loan debt and meet the income requirements, you qualify for forgiveness.

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