Partial Cancellations

15% for each of the first and second year;
20% for each of the third and fourth years; and
30% for the fifth year.

See below if your career qualifies you for a partial cancellation.

Full-time teacher in a public or nonprofit elementary or secondary school serving students from low-income families or

Full-time teacher of handicapped students in a public or nonprofit elementary or secondary school. The majority of the students the borrower teaches must be handicapped children.

Full-time special-education teacher, including teachers of infants, toddlers, children, or youth with disabilities in a public or other nonprofit elementary or secondary school system;

Full-time teacher in a public or other nonprofit elementary or secondary school 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;

Full-time staff member in HEAD START.

A licensed practical nurse, a registered nurse, or other individual who is licensed by the appropriate state agency to provide nursing services.

An allied health professional (working in fields such as therapy, dental hygiene, medical technology, or nutrition) who is certified, registered, or licensed by the appropriate state agency in the state in which he or she provides health care services; an allied health professional is someone who assists, facilitates, or complements the work of physicians and other specialists in the health care system.

A provider of services, as defined in section 672(2) of the Individuals with Disabilities Education Act. Section 672(2) of that Act defines developmental services as those services that are provided under public supervision; are provided at no cost except where federal or state law provides for a system of payments by families, including a schedule of sliding fees; are designed to meet a handicapped infants' or toddler's developmental needs.

To receive vloan cancellation for being employed at a child or family services agency, a borrower must be providing services only to high-risk children who are from low-income communities. The borrower may also be providing services to adults, but these adults must be members of the families of the children for whom services are provided. The services provided to adults must be secondary to the services provided to the high-risk children. The Department has determined that an elementary or secondary school system or a hospital is not an eligible employing agency

To establish the eligibility of a borrower for the law enforcement or corrections officer cancellation provision, the school must determine that 1) the borrower's employment agency is eligible and 2) the borrower's position is essential to the agency's primary mission. Please contact Graceland University to determine if you are eligible. (Agencies that are primarily responsible for enforcement of civil, regulatory, or administrative laws are ineligible.)