What happens to my federal student loans if I die or become disabled?

Federal student loans do not transfer to another person if you die. Your relatives can notify the loan servicer, and the loans will be canceled.

In the case of total and permanent disability of the student borrower, federal student loans can often be discharged. There is a special process to make this disability determination. The U.S. Department of Education has established a special website with further details.

Topics

Ask CFPB provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically.

Ask CFPB includes links or references to third-party resources or content. The CFPB does not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

Read full answer Hide full answer