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Cancellation Information – Perkins

This section provides in-depth information about cancellation options for Perkins borrowers. For more questions and answers about loan cancellation, visit our FAQs on Loan Cancellation.

Cancellation types and eligibility requirements
How to apply for Perkins loan cancellation
Contact information

Cancellation types and eligibility requirements
In order to qualify for loan cancellation, you must meet the specific eligibility requirements for that cancellation. The following cancellations may be available to you. Select the specific cancellation type and review the eligibility requirements.

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Teaching in a Public\Non-profit\Elementary\Secondary School\Instituition of Higher education\Overseas Department of Defense School Provider of early intervention services
Teaching in a low-income school Provider or supervisor of services to high-risk children
Teaching handicapped students Law Enforcement / Corrections Officer / Public Defender
Teaching in a field of expertise or shortage field Head Start
Nurse/Medical Technician Peace Corps or ACTION
Special Education teacher Military
Firefighter Faculty member at a Tribal college or university
Librarian Pre-kindergarten/child care program
Speech/language pathologist Teaching in an educational agency

National Defense Loan Program - Funds received before July 1, 1972
National Direct Loan Program    - Funds received on or after July 1, 1972 to June 30, 1987
Federal Perkins Loan Program   - Funds received on or after July 1, 1987

Teaching in a public/non-profit elementary/secondary school/institution of higher education/Overseas Department of Defense school
If you are a National Defense Loan fund borrower, you may cancel up to 50% of your outstanding balance for full-time teaching in a public or other non-profit elementary or secondary school. You may also qualify for this same type of cancellation for full-time teaching in an institution of higher learning or an overseas Department of Defense elementary or secondary school. The cancellation rate is 10% of the original principal loan amount plus interest that accrued during the year eligible for this service.

To apply for this cancellation type, you must complete a cancellation request form and submit this form to the school where you received the loan(s) or to its billing agent, Campus Partners. If submitting a form directly to Campus Partners, complete this form instead.

Teaching in a low-income school
Regardless of when you received your loan, you may cancel up to 100% of your National Defense/National Direct/Federal Perkins loan for full-time teaching in a public or other non-profit elementary or secondary school determined by the state agency to be an eligible school. To be considered a "low-income school", the school where your taught must be in a district that qualified for federal funds in the year for which you are filing for cancellation. Also, more than 30 percent of the school's enrollment must be made up of children from low-income families. To determine if the school where you taught is listed as an eligible low-income school, click here.

The cancellation rate for eligible National Defense borrowers is 15% of the original principal loan amount plus interest that accrued during the year eligible for this service. National Direct and Federal Perkins borrowers are eligible for a 15% cancellation for the first and second year of service, 20% for the third and fourth year, and 30% for the fifth year.

To apply for this cancellation type, you must complete a cancellation request form and submit this form to the school where you received the loan(s) or to its billing agent, Campus Partners. If submitting a form directly to Campus Partners, complete thisform instead.

Teaching handicapped students
Beginning with the 1967-68 academic year, if you are a National Defense Loan borrower, you may cancel up to 100% of your debt for teaching handicapped children in a public or other nonprofit elementary or secondary school. Your teaching must be full time and a majority of the students that you teach must be handicapped children. The cancellation rate is 15% of the original principal loan amount plus interest that accrued during the year eligible for this service.

Handicapped children are defined as: Children ages 3 - 21 inclusive who require special education and related services because they are mentally retarded, hard of hearing, deaf, speech and language impaired, visually handicapped, seriously emotionally disturbed orthopedically impaired, specific learning disabled or otherwise health impaired.

To apply for this cancellation type, you must complete a cancellation request form and submit this form to the school where you received the loan(s) or to its billing agent, Campus Partners. If submitting a form directly to Campus Partners, complete this form instead.

Teaching in a field of expertise or shortage field
If you received a Federal Perkins or National Direct loan made after July 23, 1992, you may be eligible for up to 100% of your loan debt cancelled for full-time teaching in mathematics, science, foreign languages, or bilingual education. You may also qualify for full-time teaching in a designated shortage area. Each year each state education agency determines any subject shortage areas in the elementary and secondary schools within the state. To determine if your subject matter area has been designated as a shortage area, click here.

Note: If you teach full time in mathematics, science, foreign language, or bilingual education, you qualify for loan cancellation even if the state has not designated one of these subject areas as a shortage area. The majority of classes taught must be in that field of expertise.

If you received a Federal Perkins, National Direct or National Defense loan that was made prior to July 23, 1992 are also eligible for this same type cancellation for teaching service performed on or after October 7, 1998. The cancellation rate is 15% of the original principal loan amount plus interest for the first and second year of service, 20% for the third and fourth year, and 30% for the fifth year of eligible service.

To apply for this cancellation type, you must complete a cancellation request form and submit this form to the school where you received the loan(s) or to its billing agent, Campus Partners. If submitting a form directly to Campus Partners, complete this form instead.

Nurse/Medical Technician
If you received a Federal Perkins or National Direct loan made after July 23, 1992, you may be eligible for up to 100% of your loan debt cancelled for full-time employment as a nurse or medical technician. To qualify for a nurse cancellation, you must be a licensed practical nurse, a registered nurse, or other individual who is licensed by the appropriate State agency to provide nursing services.

A medical technician is defined as, "an allied health professional (working in fields such as therapy, dental hygiene, medial technology, or nutrition) who is certified, registered, or licensed by the appropriate state agency in the state in which he or she provides health care services. An allied health professional is someone who assists, facilitates, or complements the work of physicians and other specialists in the health care system."

Borrowers of Federal Perkins, National Direct or National Defense loan funds made prior to July 23, 1992 are also eligible for this same type cancellation for teaching service performed on or after October 7, 1998. The cancellation rate is 15% of the original principal loan amount plus interest for the first and second year of service, 20% for the third and fourth year, and 30% for the fifth year of eligible service.

To receive cancellation benefits as a nurse or medical technician, you must be employed for 12 consecutive months. When filing for this type of cancellation, there may be additional information you will need to provide. Click here to download an Official Certification Letter for Cancellation Benefits. This form should be completed by your employer and accompany your properly completed Request for Cancellation.

To apply for this cancellation type, you must complete a cancellation request form and submit this form to the school where you received the loan(s) or to its billing agent, Campus Partners. If submitting a form directly to Campus Partners, complete this form instead.

Special education teacher
Borrowers of Federal Perkins or National Direct loan funds made after July 23, 1992 may be eligible for up to 100% loan cancellation if working as a full-time special education teacher of infants, toddlers (from birth to age 2), who need early intervention services for specific reasons, or children or youth, from ages 3 through 21 who require special education and related services due to disabilities. To qualify, you must be licensed, certified, or registered by the appropriate state education agency for that area in which you are providing related special education services, and the services you provide are part of the educational curriculum for handicapped children:

  • Speech and language pathology and audiology
  • Physical therapy
  • Occupational therapy
  • Psychological and counseling services
  • Recreational therapy

Borrowers of Federal Perkins, National Direct or National Defense loan funds made prior to July 23, 1992 are also eligible for this same type cancellation for teaching service performed on or after October 7, 1998. The cancellation rate is 15% of the original principal loan amount plus interest for the first and second year of service, 20% for the third and fourth year, and 30% for the fifth year of eligible service.

Regardless of when you received your loan funds, you may cancel up to 100% of your National Defense/National Direct/Federal Perkins loans for service that includes August 14, 2008, or begins on or after that date as a full-time special education teacher of infants, toddlers, children or youth with disabilities in an educational service agency.

When filing for this type cancellation, be sure and include a complete job description, a description of your students and the percentage of students that are disabled.

To apply for this cancellation type, you must complete a cancellation request form and submit this form to the school where you received the loan(s) or to its billing agent, Campus Partners. If submitting a form directly to Campus Partners, complete this form instead.

Firefighter
If you received a Federal Perkins, National Direct or National Defense loan, you may be eligible for up to 100% of your loan debt cancelled for service as a full-time firefighter employed at a local, state, or Federal fire department or fire district.

Cancellation may be granted for eligible service that includes August 14, 2008, or begins after that date. To receive cancellation benefits as a firefighter, you must be employed full time for 12 consecutive months.

To apply for this cancellation type, you must complete a cancellation request form and submit this form to the school where you received the loan(s) or to its billing agent, Campus Partners. If submitting a form directly to Campus Partners, complete this form instead.

Librarian
Regardless of when you received your loan funds, you may be able to cancel up to 100% of your National Defense/National Direct/Federal Perkins loans if you are a librarian with a master's degree in library science. You must be employed in an elementary or secondary school that qualifies for Title I funding, or in a library that serves a geographic area that includes one or more Title I schools.

Cancellation may be granted for eligible service that includes August 14, 2008, or begins after that date. To receive cancellation benefits as a librarian, you must be employed full time for 12 consecutive months. Also, when applying for this type of cancellation, there may be additional information you will need to provide. Click here to download an Official Certification Letter for Cancellation Benefits. This form should be completed by your employer and accompany your properly completed Request for Cancellation.

To apply for this cancellation type, you must complete a cancellation request form and submit this form to the school where you received the loan(s) or to its billing agent, Campus Partners. If submitting a form directly to Campus Partners, complete this form instead.

Speech/language pathologist
If you receive a Federal Perkins, National Direct or National Defense loan, you may be eligible to cancel up to 100% of your loan debt for service as a full-time speech/language pathologist with a master's degree, if you are working exclusively with Title I-eligible schools.

Cancellation may be granted for eligible service that includes August 14, 2008, or begins after that date. To receive cancellation benefits as a speech-language pathologist, you must be employed full time for 12 consecutive months. Also, when applying for this type of cancellation, there may be additional information you will need to provide. Click here to download an Official Certification Letter for Cancellation Benefits. This form should be completed by your employer and accompany your properly completed Request for Cancellation.

To apply for this cancellation type, you must complete a cancellation request form and submit this form to the school where you received the loan(s) or to its billing agent, Campus Partners. If submitting a form directly to Campus Partners, complete this form instead.

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