Under certain circumstances, you can get your student loans wiped out. Your options depend on what kind of loans you have and when you took them out.
Under certain limited circumstances, you can get your student loans wiped out, forgiven or cancelled. Your options depend on what kind of loans you have (through the federal government or through a private lender) and when you took them out.
For more information about getting your loans wiped out, select your state, below.
There are versions of this article for each State.
What to do if you've defaulted on student loans, whether federal or private.
Tips on managing your student loan repayment --and avoiding the serious consequences of defaulting on your loans.
When you default on a student loan, you may be subject to a wide range of collection tactics -- from phone calls and letters to the loss of your tax refund or some of your wages. Know what's legal and what's not.
This website from the National Consumer Law Center offers a wide variety of resources to help you handle student loan problems
CFPB can help you make the right choices about paying for college and understand your options for paying back student loan debt
Student loan self-help packets to help you with your federal student loans, from SLBA
You can use this government website to find the details on your federal student loans
Answers to frequently asked questions about discharging student loans without paying
If you have a public service job, you may eventually be able to cancel your federal student loans
You can cancel your federal student loans if you are totally and permanently disabled.
Find out whether the IRS will tax your canceled or forgiven loan amount
there are very specific eligibility requirements you must meet to qualify for loan forgiveness or receive help with repayment. Loan forgiveness means you don’t have to pay back some or all of your loan. You never know what you may be eligible for, so take a look at the options.
Beware of any debt settlement company that offers to help you deal with your student loans for a hefty fee
Project on Predatory Student Lending. Complete guide to the DTR process
This is the eleventh in a series of articles from NCLC that provide advice for families in financial difficulty. Other articles address lowering mortgage payments, medical debt, debt collection harassment, reverse mortgages, car repossessions, and other topics.
Your repayment options in the Biden administration's "one year onramp" for the resumption of student loan payments in October 2023
The National Conference of State Legislatures offers a comprehensive database of Student Loan over 131 enacted laws in states that offer student loan forgiveness for residents who remain in the state and serve needed professions.