If your school closed while you were enrolled—or within 180 days of you withdrawing—you might qualify for 100% Federal Loan Forgiveness. It's called Closed School Discharge, and it’s one of the fastest ways to eliminate your student debt without income requirements or lengthy service.
But here’s the catch…
And with collections resuming in 2025, waiting could mean garnished wages or seized tax refunds.
You may be eligible if:
🕒 Timeline: The discharge process can take 90–120 days after submission.
Thousands have already been approved. Schools like:
...are part of a federal relief list. If you attended these, your claim might be pre-qualified.
View Full List of Closed Schools ›
Federal loan collections resumed in May 2025. That means:
And Closed School Discharge could stop it all—if you act fast.
✅ Check if You Qualify for Closed School Discharge »
Your school shut down—don’t pay loans you don’t owe. Start your discharge request today ›
Closed school discharge is a federal student loan forgiveness option that cancels your debt when your school closes while you’re enrolled or shortly after you withdraw. If your college shut its doors, you may not have to repay your federal loans. The discharge erases your remaining balance for that school’s loans. This relief is intended to protect students from education debt when institutions abruptly close. Contact our attorneys for help determining if you qualify and for free assistance with your closed school discharge application.
You’re eligible if you were enrolled at a school that closed while you were still a student or within 120 days after you left. If you graduated before the school closed, you typically are not eligible. Even if you transferred or partially completed a program, loan forgiveness may still apply if the credits became unusable due to the closure. Our legal team can review your situation, confirm eligibility, and help you pursue this federal student loan discharge. Get a free consultation to learn if you qualify for this federal loan forgiveness.
To apply for a closed school discharge, you must complete the federal closed school discharge application and submit it to your loan servicer. You’ll need to provide information about your enrollment dates and when the school closed. Our attorneys will guide you through completing the application correctly and gathering any necessary supporting documents. We make sure your closed school discharge application is filed on time and includes everything needed. Contact us now for step-by-step assistance and a free evaluation of your case.
Generally, if you finished your program before the school closed, you won’t qualify for a closed school discharge. The relief is for students who lost access to their education because of the closure. However, if you withdrew within 120 days after the school closed, you may still be eligible. If you completed courses that turned out to be worthless after closure, discuss this with us; sometimes other relief might be available. Contact us today for a free eligibility review to see if any federal forgiveness options apply in your situation.
You need documentation proving you were in school when it closed. This could include your transcript with enrollment dates, enrollment agreements, or a letter from the school or accrediting agency confirming the closure date. Payment records and financial aid information can also support your claim. Our attorneys will help you gather and organize all necessary documents for your application. Get in touch for a free case evaluation and let us assist in compiling the evidence needed for your closed school discharge.
Closed school discharge processing times vary by loan servicer, but you can generally expect a decision within a few months after your application is complete. If your school closed more than a year ago, the discharge may even be automatic, but applying early can speed up relief. Our attorneys will follow up on your application and communicate with your servicer to minimize delays. Contact us for a free eligibility check and timeline estimate for your closed school discharge.
If you attended multiple schools, only the loans tied to the closed school are eligible for discharge. For example, if you had loans at School A (which closed) and loans at School B (which stayed open), only the School A loans can be forgiven. Even if you consolidated all your loans, our attorneys will identify which part of your debt came from the closed school and help you apply for discharge on that portion. Call us to discuss how to apply for closed school discharge on the qualifying loans. Public Service Loan Forgiveness (PSLF).
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