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Law Enforcement Cancellation

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Important

Schools must cancel up to 100% of a Perkins Loan if the borrower has served full-time as a qualifying law enforcement or corrections officer. If you are receiving or applying for an employment-related deferment or cancellation benefit, you are required to use Boston College forms, which may be obtained from the links below. If you have questions or concerns about cancellation and deferment benefits that relate to your employment, please contact Boston College directly at 1-800-294-0294.

This cancellation applies to all Federal Perkins Loans and National Direct Student Loans (NDSL) made on or after July 23, 1992. It also applies to National Direct Student Loans made prior to July 23, 1992; however, it applies to these loans only for work or service performed on or after October 7, 1998.


General Requirements

  • Borrower must be employed full-time for 12 months in a qualifying agency.
  • Borrower must apply for deferment and cancellation by obtaining the specific cancellation forms from Boston College.
  • Borrower must provide employment verification; proof of license, registration, or certification; and any other documentation that the school requests to show that he or she qualifies for cancellation.
  • Forms must be submitted by the deadlines established by Boston College.
  • None of the loan may be cancelled for services performed either before the date the loan was disbursed or during the enrollment period covered by the loan.
  • Defaulted loan amounts are not eligible for cancellation. Only cancellations for time prior to acceleration will be allowed.
  • No repayments made by a borrower during a period for which the borrower qualified for cancellation may be refunded.


Eligible Employment Agency

  • A local, state, or federal agency that is publicly funded
  • Primary activities pertain to crime prevention, control, or reduction or to the enforcement of criminal law include (but are not limited to):
    • police efforts to prevent, control, or reduce crime to apprehend criminals
    • activities of courts and related agencies having criminal jurisdiction
    • activities of corrections, probation, or parole authorities
    • problems relating to the prevention, control, or reduction of juvenile delinquency or narcotic addiction


Eligible Borrower Positions

  • Position must be essential to the agency's primary mission.
  • Must be a full-time employee of an eligible agency for twelve consecutive months.
  • Must be a sworn officer or person whose principal responsibilities are unique to the criminal justice system.
  • The agency must be able to document the employee's function.


Non-Eligible Situations

  • If primary responsibilities are for the enforcement of civil, regulatory, or administrative laws
  • If primary duties (official job duties) are supportive, such as typing, filing, accounting, office procedures, purchasing, stock control, food service, transportation, or maintenance of building, equipment, or grounds


Cancellation Rates

  • 15% of the original principal amount for each of the first and second full years of employment;
  • 20% of the original principal amount for each of the third and fourth full years of employment; and
  • 30% of the original principal amount for the fifth full year of employment.

Download a Law Enforcement Cancellation form (PDF).