What About Student Loans?
Deferment, Forgiveness, Cancellation and Discharge

AIDS Legal Services Project


Student Loans

If you are having trouble paying your FEDERAL student loans, whether it is a temporary setback or you have become permanently disabled, do not let the loan default, or become delinquent. There are a lot of options. Call your lender and see what help you may qualify for.

BE AWARE, THE FEDERAL GOVERNMENT IS THE ONLY CREDITOR WHO CAN GARNISH YOUR SOCIAL SECURITY BENEFITS.


Apply for Student Loan Forgiveness
After completing your studies, there are many types of student loan forgiveness plans including the Public Service Loan Forgiveness, Teacher Loan Forgiveness, and many others at the state and federal level. Explore them HERE.

    1. Temporary Setback: Look at deferment options or a new re-payment plan.
    Click HERE for more information.
    2. Total and Permanent Disability Discharge: You may qualify for a cancellation of your federal student loans if you are permanently disabled. You can show you qualify for this type of cancellation by providing certain documentation from the Social Security Administration, from the VA or from a physician. Details HERE.

If You Are Disabled But Are Thinking of Going Back to School
Inquire into the California Department of Rehabilitation, Supported Employment Program: If you are thinking of pursuing a degree or in the process of obtaining a degree, the California Department of Rehabilitation provides services and advocacy to help persons living with disabilities find employment. In some cases, their Supportive Employment Program can include support such as financial assistance for higher education tuition and supplies you do not need to pay back. Learn more HERE.


Disclaimer- The content here on this website is informational only and is not an exhaustive review of consumer debt issues nor is it intended to be legal advice. The intent is to provide you with general information to better understand your situation and the tools available to take action if needed. This website contains links to other third-party websites. Such links are only for your convenience; we do not recommend or endorse the contents of the third-party sites. You should contact an attorney to obtain advice with respect to your particular legal matter. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client relationship between you and LACBA Counsel for Justice, its employees or volunteers.

THE CONTENT FOUND HERE WAS CURRENT AT THE TIME OF WRITING (MAY 2020). LAWS AND LEGAL PROCEDURES ARE SUBJECT TO FREQUENT CHANGE AND DIFFERING INTERPRETATIONS. YOU SHOULD SEEK THE COUNSEL OF AN ATTORNEY TO RECEIVE LEGAL ADVICE SPECIFIC TO YOUR SITUATION.