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Federal Student Loan Discharges

Experienced Florida Attorneys Prepared To Help

Most people are aware that discharging a student loan in bankruptcy is difficult. However, in certain circumstances, you may still be able to eliminate your federal student loan debt by obtaining an administrative (non-bankruptcy) discharge.

If you are interested in a federal student loan discharge to eliminate your student debt, get in touch with our attorneys as LSS. We have 80 years of combined legal experience to put towards your case and we are passionate about helping those in need of effective financial solutions. However complex your case, we’re here to help.

Understanding Administrative Discharge for Student Debt

There are a variety of ways to obtain an administrative discharge. Some of the primary ways to have your federal student loan discharged are:

  • Total and Permanent Disability (“TPD”) Discharge. If you are totally and permanently disabled, you may be able to obtain a TPD discharge, eliminating your liability to repay certain federal student loans.
  • Closed School Discharge. If you are unable to complete your program because your school closes while you are enrolled or your school closes within 90 days after you withdraw from it, you may be eligible to discharge your federal loans obtained to attend that school.
  • False Certification of Student Eligibility.There are certain circumstances where a school may mislead you or otherwise falsify certification of your eligibility for a program that can result in your student loans being discharged. For example, if your school signed your name on the student loan application or promissory note without your authorization. Cases of identity theft may also qualify.
  • Unpaid Refund Discharge. If you withdrew from school and your school failed to pay the refund it owed to your lender or the U.S. Department of Education, you may be eligible to discharge the amount of the unpaid refund.
  • Death. The death of a student discharges a parent’s obligation on a Parent PLUS loan.

Please keep in mind that every student loan matter is different. If you have questions about your student loans or if you like to know if your federal student loans qualify for an administrative discharge, our firm is here to help.

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