DEFERMENT ELIGIBILITY AND DEFINITIONS
Rehabilitation Training. NDSL/Perkins borrowers who are enrolled in a course of study that is part of a certified rehabilitation training program for disabled individuals are eligible for deferment of principal and interest. Deferment is unlimited. For NDSL/Perkins loans made before July 1, 1993, eligibility began on 10/1/1998. The rehabilitation agency must be licensed, approved, or certified by one of the following:
The program must provide the borrower with rehabilitation services under a written plan that:
Graduate Fellowship Study. NDSL/Perkins borrowers may defer their loans for enrollment in a graduate fellowship program approved by the Education Department or engaged in a graduate or postgraduate fellowship-support study outside the United States. All of the following borrower and program requirements must be met.
Internship or Residency. Nursing and Health Profession/Primary Care loan borrowers may receive Advanced Professional Training deferment for training beyond the first degree, including internships and residencies. Training must be in the discipline for which you received your loan. NDSL/Perkins borrowers with loans made after 6/30/1993 are not eligible for internship/residency deferment. Other borrowers may qualify for up to two years of internship/residency deferment if all of the following requirements are met:
Peace Corps/ACTION Program Volunteer. For Federal Perkins loans made after 6/30/1993 the deferment is available only for periods during which a borrower is requesting cancellation. For NDSL/Perkins loans made before 7/1/1993 the deferment is available for up to 3 years of full-time Peace Corps service. Borrower must serve at least one full year to receive any deferment. For Nursing, Health Profession, and Primary Care loans, up to 3 years of deferment is available.
Armed Service (Military). For NDSL/Perkins loans unlimited deferment is available to Armed Forces Reservists and National Guard personnel called to active duty and to regular military personnel assigned to duty stations other than their normal stations due to war, military operation, or national emergency.
Temporary Total Disability. (Unable to work or attend school due to illness or injury). Borrowers with a NDSL/Perkins loans made before 7/01/1993 may receive a maximum of 3 years deferment because of their own temporary disability or because they are providing full time care to a temporarily disabled spouse. Borrowers whose first loans were made between 7/1/1987 and 6/30/1993 also may apply for deferment when caring for a disabled, dependent child.
Mother of Pre-schooler, Returning to Work. The borrower must be a mother of pre-school aged children and working or returning to the workforce and earning no more than $1.00 above the federal minimum wage. NDSL/Perkins borrowers with loans made between 7/1/1987 - 6/30/1993 are eligible. Submit certified copies of your child(ren)'s birth certificate(s) and verification of wages (payroll check stub showing hourly rate or letter signed by employer).
CANCELLATION ELIGIBILITY AND DEFINITIONS
Total Permanent Disability (Inability to work and earn a living due to an impairment expected to continue indefinitely or result in death). The cancellation is not available if the medical condition leading the permanent disability existed before the borrower accepted the loan. Disability must be verified by a physician's affidavit that states the medical condition and specifies the borrower's condition to be total and permanent disability. If your lending school determines that your condition may qualify you for cancellation, it will refer your NDSL/Perkins loan to the Federal government for monitoring during a 3-year period. The Federal government may result additional information including verification of income earned. The Federal government will determine your eligibility for final cancellation.
Survivors of Victims of 9/11/2001. If your spouse is/was an eligible public servant killed or totally and permanently disabled as a result of the terrorist attacks on September 11, 2001, you may be eligible to have your outstanding Perkins loan cancelled. An "eligible public servant" served as a police officer, firefighter, other safety/rescue personnel or member of the Armed Forces. Contact our office for more information and details regarding the documentation that must be submitted.
Head Start/Pre-kindergarten/Child Care. 100% loan cancellation (15% per academic year) on NDSL/Perkins loans for employment as a full-time staff member in a preschool program carried out by the Head Start Act or a pre-kindergarten or child care program that is licensed or regulated by the State, if:
Law Enforcement or Corrections Officer. 100% cancellation over five years (15/15/20/20/30%) on NDSL/Perkins loans. A borrower qualifies if s/he is a sworn law enforcement officer or a person whose principal responsibilities are unique to the criminal justice system. A borrower whose duties are supportive or administrative does not qualify. In addition, the borrower must be employed by an eligible employing agency: A local, State, or Federal law enforcement or corrections agency or facility that is publicly funded and has as its principal activities crime prevention, control or reduction, or the enforcement of criminal law.
Teacher in a Low-Income School. 100% cancellation over five years (15/15/20/20/30%) on NDSL/Perkins loans. Borrower must be teaching in a school designated by the Education Department as having a high concentration of students from low-income families. Not all schools serving low-income populations will qualify. A teacher is a person who provides:
A supervisor, administrator, researcher or curriculum specialist is not a teacher unless s/he primarily provides direct and personal education services to students.Certain professionals, licensed by the State, can also qualify if the services are part of the educational curriculum for handicapped children. Such professionals include speech pathologists, audiologist, psychologists and counselors, physical or occupational therapists, and recreational therapists.
Special Education Teachers. 100% cancellation over 5 years (15/15/20/20/30%) on NDSL/Perkins loans. Borrowers must be teaching infants, toddlers, children, or youths with disabilities, in a public or other non-profit elementary or secondary school system. Students may be aged birth to 21 years and require special education because of disability as defined in 602(3) of the Individuals with Disabilities Act.
Shortage Area Teacher. 100% cancellation over 5 years (15/15/20/20/30%) on NDSL/Perkins loans. Borrowers must teach full time in mathematics, science, bilingual education, foreign language, or any other field where the State education agency determines there is a shortage of qualified teachers.
Early Intervention Services. 100% cancellation over 5 years (15/15/20/20/30%) on NDSL/Perkins loans. Borrowers must be providers of early intervention services in a public or other non-profit program under public supervision. "Early intervention services" are developmental services designed to meet a handicapped infant' s or toddler's (individual under 3 years of age) needs in physical, cognitive, language, speech, psycho-social development or self-help skills.
Provider of Services to High-risk Children. 100% cancellation over 5 years (15/15/20/20/30%) on NDSL/Perkins loans. Borrower must be employed full time by a public or private nonprofit child/family service agency and must provide or supervise the provision of services to high-risk children from low-income communities and the families of such children. "High-risk children" are children who are low-income or at risk of abuse/neglect, have been abused/neglected, reside in placements outside their homes, or are involved in the juvenile justice system".
Nurse or Medical Technician. 100% cancellation over 5 years (15/15/20/20/30%) on NDSL/Perkins loans. "Nurse" is defined as a licensed practical nurse, a registered nurse, or other individual who is licensed by the appropriate State agency to provide nursing services. "Medical Technician" is defined as an allied health professional that is certified, registered, or licensed by the appropriate State agency. "Allied health professional" is someone who assists, facilitates, or complements the work of physicians and other specialists in the health care system.
Peace Corp or ACTION Volunteer. 70% maximum cancellation over four years (15/15/20/20%) on NDSL/Perkins loans. Borrower can receive cancellation for each complete year of service as a volunteer in the specific programs.
Military. Borrower can receive cancellation for each 12-month period of service as a member of the US Army, Navy, Air Force, Marines, or Coast Guard and serving in an area of hostilities that qualifies for special pay under USC 37 Sec. 310. For any year of service beginning on or after August 14, 2008, 100% cancellation over 5 years on NDSL/Perkins loans. For any year of service beginning prior to August 14, 2008, 50% maximum cancellation over four years (12.5% per year) on NDSL/Perkins loans.
Public Defender. 100% cancellation over 5 years (15/15/20/20/30%) for a full time attorney employed in a defender organization established in accordance with USC Title 18, Sec. 3006A(g)(2). Employment first eligible on August 14, 2008.
Speech/Language Pathologist. 100% cancellation over 5 years (15/15/20/20/30%) for a full-time speech language pathologist with a master's degree working exclusively with schools designated by the Education Department as having a high concentration of students from low-income families. Not all schools serving low-income populations will qualify.
Tribal Faculty. 100% cancellation over 5 years (15/15/20/20/30%) for full time employment as a faculty member at a Tribal College or University as defined in Sec. 303 of the Higher Education Opportunity Act of 2008.