Applying for FFEL Loan Discharge
Your FFEL student loans may be discharged under the following circumstances:
- you are totally and permanently disabled (unable to work and earn money because of an impairment that is expected to continue indefinitely or result in death), borrowers can request a disability discharge application from the U.S. Department of Education (ED) and return the completed application to ED's Total and Permanent Disability Servicer, Nelnet;
- you could not complete your educational program because your school closed while your were enrolled, or not later than 90 days after your withdrew, complete a School Closure Loan Discharge Application and submit to HESC;
- you did not have a high school diploma or a high school equivalency diploma obtained from Test Assessing Secondary Completion (TASC), formally known as GED, when you enrolled at the school you attended when receiving the loan, and you believe the school did not properly test your ability to benefit from the program, complete a False Certification: Ability to Benefit Loan Discharge Application submit to HESC;
- you had a condition (physical, mental, age, criminal record) when you enrolled in the school that prevented you from meeting state requirements for performing the occupation for which you received training at the school, complete a False Certification: Disqualifying Status Loan Discharge Application and submit to HESC;
- you believe that a representative of your school signed your name without permission on the loan application, promissory note, loan check(s), or authorized your loan to be disbursed by electronic funds transfer, or master check without your permission, complete a False Certification: Unauthorized Signature/Unauthorized Payment Loan Discharge Application and submit to HESC;
- you believe when you enrolled in the school, a school loan(s) in your name was falsely certified as a result of identity theft or forgery complete a notarized Affidavit of Identity Theft/Forgery form and submit to HESC along with a copy of a police report and a copy of the court judgment or verdict stating you were a victim of identity theft.
For more information, please contact HESC at 888-NYS-HESC (888-697-4372).