Can My Student Loans Be Forgiven Because I Was Incarcerated in State Prison?


Dear Steve,

I took out a student loan in 2007-2008. I was incarcerated in State prison shortly thereafter. (2008) I was released in 2020. I am now trying to buy a property but the student loan just caught up and took my credit score down 75 points, making the process difficult.

Am I eligible for student loan forgiveness due to being incarcerated for this above-referenced period of time?



Dear Michael,


However, there are some things you can do to soften the blow.

If these are federal student loans you can get them out of default and into a repayment plan through your once-in-a-lifetime opportunity of Rehabilitation.

If these are private student loans you should not be in a rush to acknowledge the debt without first talking to an attorney that is licensed to practice law in your state and talk about the Statute of Limitations on this debt.

The best way to boost your credit score is always to have active unsecured credit that maintains balances below 30% of the credit limit and is paid on time.


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.

Damon Day - Pro Debt Coach