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Please select from one of the following:
- Full Cancellation
- Partial Cancellation
Full Cancellation
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Teacher Cancellation
Schools may cancel up to 100% of a Perkins Loan if the borrower has served full time in
a public or nonprofit elementary or secondary school system as a:
- teacher in a school serving students from low-income families;
- special-education teacher, including teachers of infants, toddlers, children, or youth
with disabilities; or
- teacher in the fields of mathematics, science, foreign languages, or bilingual
education, or in any other field of expertise that is determined by a state
education agency to have a shortage of qualified teachers in that state.
Eligibility for teacher cancellation is based on the duties presented in an official
position description, not on the position title. To receive a cancellation, the borrower
must be directly employed by the school system. There is no provision for canceling
Perkins Loans or NDSL’s for teaching in postsecondary schools.
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Early Intervention Cancellation
Schools must cancel up to 100% of a Perkins Loan if the borrower has been employed full time
as a qualified professional provider of early intervention services in a public or other
nonprofit program under public supervision.
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Head Start Cancellation
Schools must cancel up to 100% of a Perkins Loan if the borrower has served full time as a
staff member in the educational part of a preschool program carried out under the Head
Start Act. A full-time staff member is someone who is regularly employed in a full-time
professional capacity to carry out the educational part of a Head Start Program. The program
must operate for a full academic year, or its equivalent, and the borrower’s salary may
not be more than that of a comparable employee working in the local educational agency.
An authorized official of the Head Start Program must sign the borrower’s cancellation
form to certify the borrower’s service. The cancellation rate is 15% of the original
principal loan amount for each complete school year.
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Nurse or Medical Technician Cancellation
Schools must cancel up to 100% of a Perkins Loan if the borrower has served full time
as a nurse or medical technician providing health care services. The borrower must
provide health care services directly to patients.
Nurse. A licensed practical nurse, a registered nurse, or other individual who is licensed by the appropriate state agency to provide nursing services.
Medical Technician. An allied health professional (working in fields such as therapy, dental
hygiene, medical 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. You can
find a list of accredited allied health professions at
http://www.ama-assn.org/ama/pub/category/10481.html.
This is not a complete list of all allied health professions.
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Law Enforcement or Corrections Officer Cancellation
Schools must cancel up to 100% of a Perkins Loan if the borrower has served full time as a
qualifying law enforcement or corrections officer. To establish the eligibility of a
borrower for the law enforcement or corrections officer cancellation provision, the school
must determine that (1) the borrower’s employing agency is eligible and that (2) the
borrower’s position is essential to the agency’s primary mission.
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Child or Family Services Cancellation
Schools must cancel up to 100% of a Perkins Loan if the borrower has served full time as
an employee of an eligible public or private nonprofit child or family service agency and
has provided or supervised the provision of services to both high-risk children who are
from low-income communities and the families of such children. To receive loan cancellation
for being employed at a child or family services agency, a borrower must be providing
services only to high-risk children who are from low-income communities. The borrower
may also be providing services to adults, but these adults must be members of the families
of the children for whom services are provided. The services provided to adults must be
secondary to the services provided to the high-risk children. The Department has determined
that an elementary or secondary school system or a hospital is not an eligible employing agency.
Partial Cancellation
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Military Service Cancellation
Schools must cancel up to 50% of a Perkins Loan if the borrower has served a period of
full-time active duty in the armed forces (that is, the U.S. Army, Navy, Air Force,
Marine Corps, or Coast Guard), the National Guard, or the Reserves. The service must
be in an area of hostilities or an area of imminent danger that qualifies for special
pay under Section 310 of Title 37 of the U.S. Code. The cancellation rate for every
complete year of qualifying service is 12.5% of the original principal loan amount
plus any interest that accrued during the year. To qualify for military cancellation,
a borrower must be serving a period of full-time active duty in the armed forces (that
is, the U.S. Army, Navy, Air Force, Marine Corps, or Coast Guard). A member of the
National Guard or the Reserves serving a period of full-time active duty in the armed
forces is also eligible to receive a military deferment. For a Perkins Loan or NDSL
cancellation, the service in the armed forces must be in an area of hostilities or an
area of imminent danger that qualifies for special pay under Section 310 of Title 37
of the U.S. Code. The borrower’s commanding officer must certify the borrower’s service
dates.
The cancellation rate of 12.5% of the original principal loan amount is for each
complete year of service. Service for less than a complete year or a fraction of a
year beyond a complete year does not qualify. A complete year of service is 12
consecutive months. The Department of Defense does not prorate or reduce a hostile
fire/imminent danger pay area payment if the service in the hostile fire/imminent
danger pay area is for a period of time less than a full month. If a member of
the U.S. Armed forces is on active duty in a hostile fire/imminent danger pay area
for any part of a month, the service member qualifies for the full payment of hostile
fire/imminent danger pay for that month. Therefore, the Department of Education has
determined that if a borrower is on active duty in a hostile fire/imminent danger pay
area for any part of a month, that service member qualifies for the full payment of
hostile fire/imminent danger pay for that month. Therefore, the Department of
Education has determined that if a borrower is on active duty in a hostile
fire/imminent danger pay area for any part of a month, that month counts towards
the borrower’s eligibility for a military cancellation.
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Volunteer Service Cancellation
Schools must cancel up to 70% of a Perkins Loan if the borrower has served as a Peace
Corps or Americorps*VISTA (under Title I, Part A of the Domestic Volunteer Service Act
of 1973) volunteer. An authorized official of the Peace Corps or Americorps*VISTA program
must sign the borrower’s cancellation form to certify the borrower’s service. Americorps
volunteers do not qualify for this cancellation unless their volunteer service is
with Americorps*VISTA. An Americorps*VISTA volunteer may only qualify for this
cancellation if the Americorps*VISTA volunteer elects not to receive a national service
education award for his or her volunteer service. The Americorps*VISTA volunteer
must provide appropriate documentation showing that the volunteer has declined the
Americorps national service education award.
Schools apply cancellation for volunteer service in the following increments:
- 15% of the original principal loan amount - plus any interest that accrued during the year - for each of the first and second 12-month periods of service and
- 20% of the original principal loan amount - plus any interest that accrued during the year - for each of the third and fourth 12-month periods of service.
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