A borrower of a federal student loan may be eligible for a false certification discharge if:
The federal student loans must have been made on or after January 1, 1986. The borrowers may be eligible for a refund of amounts previously paid on the discharged loans in addition to a discharge of the remaining debt.
To apply for a false certification discharge, the borrower should file the appropriate loan discharge application:
There is currently no form to apply for a discharge due to identity theft. The borrower should contact the loan servicer for more information and the requirements for a discharge. The borrower may be required to sign a letter that certifies that the borrower agrees to cooperate with the U.S. Department of Education and the U.S. Department of Justice in the investigation of the borrower’s allegation of identity theft.
Borrowers who receive a false certification discharge must cooperate with the U.S. Department of Education in enforcement actions brought by the U.S. Department of Education to recover the amounts discharged. Borrowers must also transfer to the U.S. Department of Education the borrower’s right of recovery against third parties.
Borrowers who are denied a false certification discharge may be able to appeal the denial to the U.S. Department of Education.
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