Student Assistance

Permanent Disability Loan Forgiveness Program

NewProgram2015

The Permanent Disability Loan Forgiveness Program reduces total student debt for eligible Nova Scotia Student Loan borrowers who study at an eligible post-secondary institution at a reduced course load because they have a permanent disability.

This new program affects Nova Scotia Loans issued on or after August 1, 2015.

The criteria for the Permanent Disability Loan Forgiveness Program are:

How do I apply for Loan Forgiveness? When will my loan be forgiven?

Students are automatically assessed under the Permanent Disability Loan Forgiveness Program when they graduate and we have received notice of graduation from your school. Once that has happened, we will assess your forgiveness amount on any NS Student Loans you have received since August 2015. At the same time, we'll also check to see whether you may qualify for Debt Cap benefit for any NS Student Loans you received during the August 2011-July 2015 academic years as well as any other loans that might qualify for reduction under the Debt Reduction Program (for NS Loans issued 2003-2008).

Keep your address & contact information up to date!

If we have trouble obtaining your graduation data from your school, we may need to contact you for proof of graduation in order to assess you for loan forgiveness.

You will receive a letter by mail that informs you that you've been assessed for the Permanent Disability Loan Forgiveness Program and the amount of your Nova Scotia Student Loan, if any, that will be forgiven.

  • If you owe any amount on your Nova Scotia Student Loan, the Program can pay up to 100% of your outstanding Nova Scotia Student Loan amounts.
  • If you owe less on your Nova Scotia Student Loan than you receive in Loan Forgiveness (i.e. if you have already paid back some of your Loan) the difference will be paid toward your Canada Student Loan, if any. Any remaining amount will be sent to you in the form of a mailed cheque.
  • Important: The Permanent Disability Loan Forgiveness amounts you can receive are based on your total Nova Scotia Student Loan only.
Follow Student Assistance on Social Media Follow us on Facebook Follow us on Twitter Contact Student Assistance