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      Loan Discharge Application: Unpaid Refund

      This discharge helps students whose schools did not properly return federal student loan funds as required under federal regulations.
      Updated: July 8, 2016

      How To Qualify

      If a portion or all of your federal student loans was supposed to have been returned to your lender and your school did not return the funds, you may be eligible for this discharge. Only the portion of the loan that should have been returned and wasn't would be eligible for discharge.

      For example: You withdrew from school before the beginning of the semester, but your school kept the loan money you had initially intended to borrow instead of returning it to the lender, which they were required to do.

      Remember that it's possible for a school's refund policy to be different than the federal loan refund requirement. In some cases, loans are required to be returned when a student's school status changes, leaving a balance owed by the student to the school.

      What You'll Need

      Along with the discharge application, you may need to provide proof showing that your loan should have been refunded, such as your enrollment dates.

      Eligible Loans

      The following loans disbursed on or after July 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 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: Reembolso sin pagar

      This discharge helps students whose schools did not properly return federal student loan funds as required under federal regulations.
      Actualizado: 3 febrero 2017

      Cómo calificar

      Si se suponía que una parte o la totalidad de tus préstamos estudiantiles federales debían devolvérsele a tu prestamista y tu institución educativa no devolvió los fondos, puedes ser elegible para recibir esta exoneración. Solo la parte del préstamo que debió ser regresada es elegible para la exoneración.

      Por ejemplo: Te diste de baja en la institución educativa antes de comenzar el semestre, pero tu institución educativa retuvo el dinero del préstamo que inicialmente tenías pensado solicitar en lugar de devolverlo al prestamista, que es lo que está obligada a hacer.

      Recuerda que es posible que las políticas de reembolso de una institución educativa sean diferentes a los requisitos de reembolso de un préstamo federal. En ciertos casos, los préstamos deben devolverse cuando cambia la situación del estudiante en la institución educativa y queda un saldo que el estudiante le debe a la institución educativa.

      Lo que necesitarás

      Es posible que debas brindar una prueba de que tu préstamo debería ser reembolsado (como tus fechas de inscripción), junto con la solicitud de exoneración.

      Préstamos elegibles

      Los siguientes préstamos desembolsados durante o después del 1 de julio de 1986 pueden ser elegibles:

      • Préstamos Stafford con subsidio
      • Préstamos Stafford sin subsidio
      • Préstamos Grad PLUS
      • Préstamos Parent PLUS (el estudiante para el que se pidió el préstamo debe cumplir las condiciones para obtenerlo).

      Los préstamos Perkins no son elegibles para esta exoneración.

      Adónde enviar este formulario

      Envíalo 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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