Student Financial Services
Partial Perkins Loan cancellations are available through the following services. Eligibility and cancellation percentages vary by service.
Child or Family Services
This type of partial cancellation is for service as a full-time employee of an eligible public or private nonprofit child or family service agency, providing or supervising the provision of services to high-risk children who are from low-income communities and the families of such children. The main focus of the service must be the children. The borrower cannot be providing services to adults unless the adults are simply family members of the children for whom the services are being provided.
High-Risk Children: Individuals under the age of 21 who are low-income or at risk of abuse or neglect, have been abused or neglected, have serious emotional, mental, or behavioral disturbances, reside in placements outside their homes, or are involved in the juvenile justice system.
Low-income community: A community in which there is a high concentration of children eligible to be counted under Chapter 1 of Title I of the Elementary and Secondary Education Act of 1965, as amended.
Early Intervention Services
This type of partial cancellation is for service as a full-time qualified professional provider of early intervention services in a public or other nonprofit program under public supervision. Early intervention services are those services defined in section 672 (2) of the Individuals with Disabilities Education Act that are provided to infants and toddlers from birth through 2 years old with disabilities.
Qualified professional provider of early intervention services
A provider of services, as defined in section 672 (2) of the Individuals with Disabilities Education Act, are developmental services that:
- Are provided under public supervision
- Are provided at no cost except where federal and state law provides for a system of payments by families, including a schedule of sliding fees
- Are designed to meet a handicapped infant’s or toddler’s developmental needs in any one or more of the following areas:
- Cognitive development
- Language and speech development
- Physical development
- Psycho social development
- Self-help skills
- Meet the standards of the state for:
- Case management services
- Early identification, screening and assessment services
- Family training, counseling and home visits
- Health services necessary to enable the infant or toddler to benefit from the other early intervention services
- Medical services only for diagnostic or evaluation purposes
- Occupational therapy
- Physical therapy
- Psychological services
- Special instruction
- Speech pathology and audiology
- Are provided by qualified personnel, including:
- Occupational therapists
- Physical therapists
- Social workers
- Special educators
- Speech and language pathologists and audiologists
- Are provided in conformity with an individualized family service plan adopted in accordance with Section 677 of the Individual with Disabilities Act.
This type of partial cancellation is for service as a full-time teacher of a Head Start program. A full-time teacher is defined as someone who is regularly employed in a full-time professional capacity to carry out the educational part of a Head Start program. The program must operate for a full academic year, or its equivalent, and the borrower’s salary may not be more than that of a comparable employee working in the local educational agency.
Pre-K or Child Care Program
To be eligible for this type of partial cancellation, the borrower must be a full time staff member in a pre-kindergarten or child care program. Cancellation rate for this program is 15% per year.
Eligible employing agency
An eligible pre-kindergarten program is:
– Serves children birth through age six
– Addresses cognitive, social, emotional and physical development of children
An eligible child care program is:
– Licensed or regulated by the State
– Provides child care services (in most cases for fewer than 24 hours per day per child)
– May serve children older than six
Law Enforcement or Corrections Officer
To be eligible for this type of partial cancellation, it must be determined by that the borrower’s employing agency is eligible and that the borrower’s position is essential to the agency’s primary mission.
Eligible employing agency
A local, state or federal agency is an eligible employing agency if it is public-funded and its activities pertain to crime prevention, control or reduction, or to the enforcement of the criminal law. Such activities include, but are not limited to:
- Police efforts to prevent, control or reduce crime, or apprehend criminals
- Activities of courts having criminal jurisdiction and related agencies
- Activities of corrections, probation or parole authorities
- Problems relating to the prevention, control or reduction of juvenile delinquency or narcotic addiction.
Agencies that are primarily responsible for enforcement of civil, regulatory or administrative laws are not eligible.
In order for the borrower’s position to be considered essential to the agency’s primary mission, he/she must be a full-time employee of an eligible agency and a sworn officer or person whose principal responsibilities are unique to the criminal justice system and are essential in the performance of the agency’s primary mission. The agency must be able to document the employee’s functions.
NOTE: Persons whose official responsibilities are supportive, such as those that involve typing, filing, accounting, office procedures, purchasing, stock control, food service, or building, equipment or grounds maintenance are not eligible for the law enforcement or corrections officer loan cancellation regardless of where these functions are performed.
Public Defense Lawyer
To be eligible for this type of partial cancellation a borrower must be employed as full time attorney employed in a Federal public defender organization or a community defender organization established under Title 18, U.S.C.
Military Service in an Area of Hostility
To be eligible for this type of partial cancellation, the borrower must serve for a complete 12-month period in the U.S. Armed Forces in an area of hostility or an area of imminent danger that qualifies for special pay under Section 310 of Title 37 of the U.S. Code.
For each completed 12-month period that a borrower receives partial cancellation for service in the military, he/she is considered to have also used one year of military deferment.
Nurse or Medical Technician
To be eligible for this type of partial cancellation, the borrower must be a full-time nurse or medical technician providing health care services.
Nurse: A licensed practical nurse, a registered nurse, or other individual who is licensed by the appropriate state agency to provide nursing services. A certified nurse assistant does not qualify.
Medical Technician: A health professional providing specialized medical services who is certified, registered, or licensed by the appropriate state agency in the state in which he or she provides the services. The medical services provided by members of the Allied Health Professions, as well as the medical services provided by physical therapists, speech and language pathologists, and audiologists are included in this definition.
Allied Health Professions: The American Medical Association defines an allied health professional as one engaged in the following types of services:
- Anesthesiology Assistant
- Athletic Trainer
- Blood Bank Technology
- Cardiovascular Technologist
- Diagnostic Medical Sonography
- Electroneurodiagnostic Technology
- Emergency Medical Services
- Medical Assisting
- Medical Illustration
- Medical Laboratory Technology
- Health Information Management
- Nuclear Medicine Technology
- Occupational Therapy
- Ophthalmic Medical Technology
- Physical Assistant Practice
- Radiologic Technology
Additional medical services included in the partial cancellation for Medical Technician are:
- Physical Therapist
- Speech and Language Pathologist
To be eligible for this type of partial cancellation the borrower must be a full time firefighter.
Must be employed full time by a federal, state or local firefighting agency to extinguish destructive fires; or provide firefighting related services such as:
- Providing community disaster support and, as a first responder, providing emergency medical services
- Conducting search and rescue
- Providing hazardous materials mitigation (HAZMAT)
An EMT/Firefighter does qualify for this cancellation benefit. Volunteer and seasonal firefighters do not qualify. Employment must be full time for 12 consecutive months.
Volunteer in the Peace Corps or AmeriCorps VISTA
This type of partial cancellation is for service as a Peace Corps volunteer or a volunteer under the Domestic Volunteer Service Act (AmeriCorps VISTA). Service in volunteer programs other than Peace Corps or AmeriCorps VISTA are not eligible for this type of partial cancellation.
There are several situations which qualify a borrower for partial cancellation for teaching services. In all situations, however, there are some basic qualifications a borrower must meet. Listed below are the basic qualifications and then the specific situations which qualify. Please read the “Basic Information and Qualifications” and the “Specific Qualifications” to see if your position and your loan qualify.
Basic Information and Qualification for Teacher Cancellation
Teacher cancellation is based on the duties presented in an official position description, not on the position title.
The borrower must be teaching in a public or other nonprofit elementary or secondary school system in a state, as recognized by State statute. Elementary education may include educational programs below grade 1 if State law includes these programs as part of the State’s elementary educational system. There are no cancellation provisions for teaching in postsecondary schools.
The borrower must be directly employed by the school system.
A teacher is defined as a full-time professional who provides direct and personal services to students for their educational development through direct classroom teaching, classroom-type teaching in a non-classroom setting, or educational services to students directly related to classroom teaching such as school librarians or school guidance counselors
There is no requirement that a teacher must teach a given number of hours a day in order to qualify as a full-time teacher. The essential criterion for a full-time teacher is whether the employing institution considers the individual as full-time for the purposes of salary, tenure, academic rank, etc.
A supervisor, administrator, researcher, or curriculum specialist is not a teacher unless he or she primarily provides direct and personal educational services to students.
To receive partial cancellation, the borrower must teach for a complete academic year or two semesters which are complete and consecutive and that generally fall within a 12-month period.
Teacher who is not certified or licensed: It is not necessary for a teacher to be certified or licensed to receive cancellation benefits. However, the employing institution must consider the individual to be a full-time professional for the purposes of salary, tenure, retirement benefits, etc.
Teacher’s aide: In order to be eligible, a teacher’s aide must meet the definition of a “full-time teacher”, must have a baccalaureate degree, and be a professional recognized by the State as a full-time employee rendering direct and personal services in carrying out the instructional program of an elementary or secondary school.
Social Worker: A social worker, working full-time in a school setting, providing direct and personal services to students could be eligible for teacher cancellation if the services performed relate to the student’s interaction with his/her school environment.
School Psychologist: A psychologist working full-time in a school setting is eligible for “handicapped” or “special education” cancellation if a majority of the students counseled meet the statutory definition.
If a borrower is prevented, due to illness or pregnancy, from fulfilling his/her obligation to complete the academic year, cancellation may be allowed if the borrower has completed the first half of the academic year and begun teaching the second half and the hiring authority considers the borrower, for purposes of salary increment, tenure, and retirement, to have fulfilled his/her contract for the academic year.
Situations which DO NOT qualify:
- Volunteer teacher
- Teaching services overseas, including schools operated by the Armed Forces of the United States, schools operated overseas by the State Department and overseas mission schools
Full-time Teacher in a “Low Income” School
To be considered for this type of partial cancellation, the borrower must meet all criteria listed under Basic Information and Qualifications plus be teaching in a school that is listed in the Directory of Designated Low-Income Schools which is released annually by the Federal government. The Directory is not currently accessible from the web so a borrower may contact the Student Loan Office (920) 424-1336 or his/her employer to check the directory.
Subsequent Year Provision: Formerly, federal regulations required that a school be listed in the Directory each year in order for a borrower to receive partial cancellation. The 1992 Federal Amendment altered this requirement. If you receive partial cancellation one year for service in a school which is listed in the Directory, but the next year this same school is not listed, you are now still eligible to receive partial cancellation at this same school based on your prior year qualification.
Full-time Special Education Teacher
To be considered for this type of partial cancellation, the borrower must meet all criteria listed under Basic Information and Qualifications plus the majority of the students being taught must be infants, toddlers, children, or youth with disabilities as defined in section 672(2) of the Individuals with Disabilities Act.
Infants and toddlers with disabilities: Infants and toddlers from birth to age 2, inclusive, who need early intervention services for the following specified reasons as defined in section 672 (1) of the Individuals with Disabilities Education Act:
- They are experiencing developmental delays, as measured by appropriate diagnostic instruments and procedures in one or more of the following areas: cognitive development, physical development, language and speech development, psycho social development, or self-help skills; or
- They have a diagnosed physical or mental condition which has a high probability of resulting in developmental delay
The term infants and toddlers with disabilities may also include, at a state’s discretion, individuals from birth to age 2, inclusive who are at risk of having substantial developmental delays if early intervention services are not provided.
Children and youth with disabilities: Children and youth from ages 3 through 21, inclusive, who require special education and related services because they have disabilities as defined in section 602(a)(1) of the Individuals with Disabilities Education Act. Section 602(a)(1) defines “handicapped children” as children who are mentally retarded, hard of hearing, deaf, speech or language impaired, visually handicapped, seriously emotionally disturbed, orthopedically impaired, or other health impaired children or children with specific learning disabilities who by reason thereof require special education and related services.
Full-time Teacher in a Shortage Area “Field of Expertise”
To be considered for this type of partial cancellation, the borrower must meet all criteria listed under Basic Information and Qualifications plus be teaching in the fields of mathematics, science, foreign languages, or bilingual education or in any other “field of expertise” that is determined by a state education agency to have a shortage of qualified teachers in that state. The majority of the classes being taught must be in the borrower’s field of expertise.
Librarians serving Low Income Areas
To be eligible for this partial cancellation the borrower must be a full time librarian, with a master’s degree in library science, employed in an elementary or secondary school that qualifies for Title I funding or a public library servicing a geographic area that includes one or more Title I schools.
Eligible employing agency
- An elementary school or secondary school that is eligible for assistance under part A or title I of the Elementary and Secondary Education act of 1065, as amended.
- A Public library that serves a geographic area that contains one or more schools eligible for assistance under part A of title I of the Elementary and Secondary Education Act of 1065, as amended.
- The term geographic area is defined as the area served by the local school district.
Faculty Member at a Tribal School
To be eligible for this type of partial cancellation the borrower must be a full time faculty member at a Tribally controlled College or University.
A full time “faculty member” is defined as an educator or tenured individual who is employed by a Tribal college or university to teach, research, or perform administrative functions. An educator may be an instructor, lecturer, lab faculty, assistant professor, full professor, dean or academic department head.
A Tribal college or University is an institution that qualifies for funding under the Tribally Controlled Colleges and Universities Assistance Act of 1978, or the Navajo Community College Assistance Act.
Educational Services Agency
To be eligible for this type of partial cancellation the borrower must be a full time teacher (including special ed), working in an Educational Agency, serving low income communities.
Eligible employing agency
An Educational Services Agency is a regional public multi-service agency authorized by State law to develop, manage, and provide services or programs to local educational agencies as defined in section 9101 of the Elementary and Secondary Education Act of 1965 as amended.
To be eligible for this type of partial cancellation the borrower must have a master’s degree, be employed full time, and work exclusively with Title I eligible schools.
A person who has obtained a postgraduate degree, excluding a doctorate or professional degree who evaluated or treats disorders that affect a person’s speech, language, cognitive, voice, swallowing and the rehabilitative or corrective treatment of physical or cognitive deficits/disorders resulting in the difficulty with communication, swallowing or both.