Imagine trusting a school with your future, only to discover they falsified your application, forged your signature, or enrolled you in a program you legally couldn’t work in. If this sounds familiar, you may qualify for a 100% False Certification Discharge—a Federal Loan Forgiveness Program designed for exactly these kinds of fraud.
And here's the kicker: many borrowers never realize they're eligible.
False Certification Discharge allows federal student loan borrowers to eliminate their debt if the school fraudulently certified their eligibility. This includes:
If any of this applies, you could cancel your loans entirely—plus reclaim payments already made.
You're eligible if your school:
🕒 Timeline: Discharge applications are accepted for current or past loans. There’s no hard deadline, but the sooner you act, the stronger your case.
Jasmine, FL (2024): Enrolled in a medical assistant program, Jasmine discovered she was ineligible to become certified due to a prior conviction. The school never asked. She applied for False Certification and had over $23,000 in loans wiped out within months.
Many claims arise from for-profit or now-closed institutions. These include:
💡 Pro Tip: Applications with Attorney-Assisted Expert tend to process faster and more successfully.
As of May 2025, wage garnishment and federal collections have resumed. Many borrowers are desperate for relief, and this program can provide full discharge with no repayment obligation.
But here’s the catch: Most borrowers don’t even know they qualify.
Not sure if your school broke the rules? We’ve helped thousands get clarity—and loan relief. It starts with one quick eligibility check.
Ready to cancel your student loans for good? Start your loan relief request today →
Federal loan consolidation combines multiple federal student loans into a single Direct Consolidation Loan.
You can apply online through the U.S. Department of Education’s StudentAid.gov website. The application is free and asks you to select which loans to include.
Consolidation simplifies repayment by combining multiple loans into one payment and one interest rate.
Yes, there are trade-offs. Consolidating may cause you to lose benefits like borrower-specific interest rate discounts or original loan cancellation benefits.
Your new interest rate will be the weighted average of your current loans, rounded up to the nearest one-eighth percent.
Yes. Consolidation can help make your loans eligible for programs like Public Service Loan Forgiveness (PSLF). For example, if you have FFEL or Perkins Loans and want PSLF, you must consolidate them into a Direct Consolidation Loan first.