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Southern Oregon University


The Department of Education requires a school to cancel any Perkins loan upon receipt of a death certificate or other certification recognized by the state.


Borrowers who become totally and permanently disabled may qualify for cancellation of this loan. Permanent and total disability is the inability to work and earn money because of an impairment expected to continue indefinitely or result in death. An application for total and permanent disability must be filed, including any support documents as stated by the University. In addition, a doctor's affidavit that the borrower is 100% disabled is required.

Social Security disability does not guarantee Perkins loan cancellation.

After receiving the application, the Student Services Loan Department will determine whether the application is viable. At that time, the account will be assigned to the U.S. Department of Education. From that point on, Southern Oregon University no longer holds the note for this account. The Department of Education will monitor the account for three years before determining whether the account will be cancelled. If at any time the borrower is able to work or receive money to attend school, the Department of Education will resume collection on the loan. Download a Perkins Loan Total and Permanent Disability Discharge Application.

Resolving Disputes

 2012-2013 Perkins Loans Regulations/Handbook

The U.S. Department of Education Student Financial Aid Office of the Ombudsman works with student loan borrowers to informally resolve disputes and problems. Contact the Student Loan Ombudsman's office at 877-557-2575 or