Student Loan Related

Can My Federal Student Loan Be Eliminated Since I Did Not Have a GED?

Written by Steve Rhode


Dear Steve,

I have a 1987 FASA loan in my name without even going to the 7 grade, got GED in 2000.

I have been begging for help with this I am desperately needing to get help, I am homeless, couch to couch, finally able to go to school at 53 only to find that being 21 at that time and not having any education sold at 15 to a 45-year-old a FASA loan was obtained, I would in no way ever have qualified for that, my GED was Nov 15, 2000, at Rio Salado community college name was Joyce A Hinkson in 1987.

I didn’t even know basic math let alone high school stuff I don’t understand all of this stuff.



Dear Joyce,

I think what you are saying is that you took on federal student loans in 1987 when you didn’t even have a GED at that time.

Currently, the rule is that federal student loans may be forgiven if the school falsy certified you had a GED or comparable skills when you enrolled. This is a False Certification Discharge.

This is the form you will need to complete and return by some traceable means to ensure they received it.

The main address for the Department of Education is:

U.S. Department of Education
400 Maryland Avenue, SW
Washington, D.C. 20202

But the best place to send your application would be to your loan servicer. Find out who your loan servicer is by logging in.

Luckily your loan was in 1987 since “Only loans made on or after January 1, 1986, are eligible for this type of discharge.”

For more information on the false certification discharge, click here.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

See also  I Went to a Vocational School 40 Years Ago on Federal Student Loans

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


Leave a Comment

Scroll to Top