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Loan Discharge Application: Identity Theft
Borrowers who had loans taken out in their name fraudulently due to identity theft may be able to get those loans discharged.
How To Qualify
Your federal student loans must have been fraudulently borrowed in your name and you must not have authorized or willingly received or benefited from the loans (the loans weren’t credited to your account, for example). The person who committed the crime must have been convicted of identity theft and of fraudulently borrowing the student loans in your name.
What You’ll Need
You will need to certify that you did not authorize the loan or benefit from the loan in any way. You will also need to provide:
- Six signature samples, with at least three from around the time that the loan’s promissory note was signed.
- A copy of the judgment stating that you were a victim of identity theft and that the person borrowed the student loans in your name.
The following loans disbursed on or after January 1, 2006, may be eligible:
- Subsidized Stafford loans
- Unsubsidized Stafford loans
- Grad PLUS loans
- Parent PLUS loans
- Federal Consolidation loans
Perkins loans are not eligible for this discharge.
How To Apply
Submit all of your documentation to your loan servicer (the company that sends you the bills). If you don’t know who that is, you can go to the National Student Loan Data System (NSLDS ® ) to find out.