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      Loan Discharge Application: False Certification Of Ability To Benefit

      If your school enrolled you in a program you did not have the ability to benefit from, you may be able to eliminate loans you borrowed for that program.
      Updated: July 8, 2016

      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.

      Eligible Loans

      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.

      Download Now

      Solicitud de exoneración de préstamos: Certificación de capacidad de beneficio falsa

      If your school enrolled you in a program you did not have the ability to benefit from, you may be able to eliminate loans you borrowed for that program.
      Actualizado: 3 febrero 2017

      Cómo calificar

      Las instituciones educativas deben garantizar que los estudiantes puedan beneficiarse de su educación. Ahora bien, "beneficiarte" no significa que te garanticen que obtendrás un trabajo en tu área después de graduarte; ese no es una causa elegible para recibir esta exoneración. Pero, por ejemplo, si no tenías un diploma de secundaria o educación general básica y la institución educativa no te realizó un examen adecuado para determinar tu capacidad de beneficiarte de la educación superior, podrías reclamar.

      Depende de ti demostrar que no tenías la capacidad de beneficiarte del programa en el que te inscribieron. Algunos ejemplos para demostrar esto serían los siguientes:

      • Una copia de tu solicitud de admisión que indique que no tenías un diploma de secundaria ni de educación general básica, ni un comprobante de que lo obtuviste después de recibir el préstamo.
      • Documentación que indique que no tenías un diploma de secundaria ni de educación general básica, o su equivalente (ni un comprobante de que lo obtuviste después de recibir el préstamo) al momento de la inscripción. Deberás proporcionar pruebas de que informaste a la institución educativa sobre la falta de esta credencial, si corresponde.
      • Una confirmación de la institución educativa de que no cumplías los requisitos de admisión.

      Préstamos elegibles

      Los siguientes préstamos, desembolsados el 1.º de enero de 1986 o en fecha posterior, pueden ser elegibles:

      Los préstamos Perkins no son elegibles para esta exoneración.

      Adónde enviar este formulario

      Envía este formulario a tu acreedor. Si no sabes quién es, puedes acceder al Sistema Nacional de Información sobre los Préstamos Estudiantiles (NSLDS®) para averiguarlo.

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