Skip to main content

Secondary navigation:

Cancellation Chart

Federal Perkins, National Direct, and Defense Loans

Type of Service National Defense National Direct Loans (Made prior to 7/23/92) Federal Perkins Loans (made prior to 7/23/92 Federal Perkins or National Direct Loans (made on or after 7/23/92)
TEACHER
Full-time teacher in math, science, foreign languages, bilingual education, or any field of expertise determined by the state education agency to have a shortage of qualified teachers 100% (over 5 years)* 100% (over 5 years)* 100% (over 5 years)* 100% (over 5 years)
Full-time employment in a Head Start Program N/A 100% (15% per year) 100% (15% per year) 100% (15% per year)
Full-time teacher of handicapped children in a public or non-profit elementary or secondary school 100% (over 5 years) 100% (over 5 years) 100% (over 5 years) N/A
Full-time special education teacher, including teacher of infants, toddlers, children, or youth with disabilities 100% (over 5 years)* 100% (over 5 years)* 100% (over 5 years)* 100% (over 5 years)*
Full-time teaching in low-income school eligible for funding under Chapter 1 of the Education Consolidation and Improvement Act of 1981 100% (15% per year) 100% (over 5 years) 100% (over 5 years) 100% (over 5 years)
Full-time teaching in a public or non-profit elementary or secondary school, an institution of higher education, or an overseas Department of Defense elementary or secondary school 50% (10% per year) N/A N/A N/A
Teacher of pre-kindergarten or childcare program 100%** (over 5 years) 100%** (over 5 years) 100%** (over 5 years) 100%** (over 5 years)
Speech Language Pathologist in a designated low-income school 100%** (over 5 years) 100%** (over 5 years) 100%** (over 5 years) 100%** (over 5 years)
Librarian in or serving a designated low-income school 100%** (over 5 years) 100%** (over 5 years) 100%** (over 5 years) 100%** (over 5 years)
Faculty at a Tribal college or university 100%** (over 5 years) 100%** (over 5 years) 100%** (over 5 years) 100%** (over 5 years)
OTHER EMPLOYMENT
Nurses and Medical Technicians providing health care services 100% (over 5 years)* 100% (over 5 years)* 100% (over 5 years)* 100% (over 5 years)
Provider or supervisor of the provision of services to high-risk children from low-income communities and their families 100% (over 5 years)* 100% (over 5 years)* 100% (over 5 years)* 100% (over 5 years)
Provider of early intervention service in a public or non-profit program under public supervision 100% (over 5 years)* 100% (over 5 years)* 100% (over 5 years)* 100% (over 5 years)*
Military service in U.S. Armed Forces serving under hazardous duty pay 50% (12.5% per year of qualifying service) for service through 8/14/2008. Service beginning on or after 8/14/2008, cancellation is 100% over 5 years max.
Full-time law enforcement or corrections officer N/A 100% (over 5 years) 100% (over 5 years) 100% (over 5 years)
Full-time Peace Corps, ACTION, or AmeriCorps VISTA program volunteer 70% (over 4 years) 70% (over 4 years) 70% (over 4 years) 70% (over 4 years)
Public Defender 100%** (over 5 years) 100%** (over 5 years) 100%** (over 5 years) 100%** (over 5 years)
Firefighter 100%** (over 5 years) 100%** (over 5 years) 100%** (over 5 years) 100%** (over 5 years)
Spouse of Victim of 9/11/2001 For loans made before 9/11/2001, 100% of balance outstanding when cancellation is requested
Total and permanent disability or death of borrower 100% 100% 100% 100%
Bankruptcy in some cases in some cases in some cases in some cases

* Benefit eligibility is effective 10/1/98.

** Benefit eligibility begins 8/14/2008.