How To Qualify
Schools must ensure students can benefit from their educations. Now, "benefit" doesn't mean they must ensure you get a job in your field post-graduation—that's not an eligible reason for this discharge. However, for example, if you didn't have a GED or high school diploma and the school did not provide an adequate test of your ability to benefit from higher education, you may have a case.
It is up to you to prove that you did not have the ability to benefit from the program that you were enrolled in. Examples of proof would be:
- A copy of your admissions application indicating that you didn't have a high school diploma or GED or proof you received it after your received your loan.
- Documentation that you didn't have a high school diploma, GED, or the equivalent (or proof you received it after your received your loan) when enrolled. You will need to provide proof that you alerted the school to this lack of credential, if applicable.
- An acknowledgment from the school that you did not meet the admissions requirements.
The following loans disbursed on or after January 1, 1986, may be eligible:
- Subsidized Stafford loans
- Unsubsidized Stafford loans
- Grad PLUS loans
- Parent PLUS loans (the student that the loan was borrowed for must be eligible)
Perkins loans are not eligible for this discharge.
Where To Send This Form
Submit this form to your loan holder. If you don't know who that is, you can go to the National Student Loan Data System (NSLDS®) to find out.