special education - handicapped
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.
To qualify for full-time teacher of "special education" and "handicapped" children, a borrower must:
- teach full-time for a full academic year or two semesters which are complete and consecutive and that generally fall within a twelve-month period,
- teach in a full-time public or other non-profit elementary or secondary school system and be directly employed by the school system (educational program below grade one may be included if they are part of the state’s elementary education program),
- provide direct and personal special education services to students through direct classroom teaching or classroom type teaching in a non-classroom setting,
- teach students who are infants, toddlers, children or youth with disabilities as defined in section 672 (2) of the Individuals with Disabilities Education Act or the majority of the students being taught must be handicapped children according to the definition of "handicapped" according to Federal guidelines,
- Exclusively teach students requiring special education services.
Note: A teacher of handicapped/special education children does NOT have to teach in a low-income school to qualify for this cancellation.
Definition of "Handicapped" Students
Section 6102(a)(1) of the Individuals with Disabilities Education Act defines handicapped children as:
- Children who are mentally retarded, hard of hearing, deaf, speech or language impaired, visually handicapped, seriously emotionally disturbed, orthopedically impaired, or otherwise health impaired; or
- Children with specific learning disabilities who by reason thereof require special education and related services.
Definition of "Special Education" Students
- Infants and toddlers with disabilities are individuals from birth to two, inclusive, who need early intervention services because they are experiencing developmental delays, as measured by appropriate diagnostic instruments and procedures, in one or more of the following areas: cognitive, physical, psychosocial, language or speech development, or self-help skills. Or, they may have a diagnosed physical or mental condition that has a high probability of resulting in developmental delay. At the state's discretion, individuals who are at risk of having substantial developmental delays if early intervention services are not provided may be included in this category. [Section 672(1) Individuals with Disabilities Education Act.]
- Children and youth with disabilities are children and youth from ages 3 through 21, inclusive, who require special education and related services because they have disabilities as defined in section 602(a)(1) of the Individuals with Disabilities Education Act. This section defines "handicapped children" as children who are mentally retarded, hard of hearing, deaf, speech or language impaired, visually handicapped, seriously emotionally disturbed, orthopedically impaired, or otherwise health impaired and with specific learning disabilities who by reason thereof require special education and related services.
- 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.
- 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.
Download a Teaching Cancellation (Special Education/Handicapped) form (PDF).