Forgiveness is only permitted in very limited circumstances- such as if a person is permanently disabled, or is requesting cancellation based on being in certain service industries;
the categories are listed here:
Forgiveness is also possible at the end of the term after one is enrolled in the Income Contigent or Income Based or Pay as you earn repayment plans. The loan balance would be forgiven at the end of the term if there is still a balance. The term of the loan would be between 20-25 years depending on which repayment plan was chosen, and when the loans were originally borrowed. How much will be forgiven depends on the original loan amount, how much one is earning, and how much earnings fluctuate during the repayment term.
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Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care.