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In many countries, especially the United States and the United Kingdom, student loans can be a significant portion of debt but are usually regulated differently than other debt.The bulk of the consumer debt, especially that with a high interest, is repaid by a new loan.

Loan discharges usually occur if there is no way the borrower can pay a loan (e.g., a total and permanent disability or death) or if a borrower can no longer apply the education for which the loan was granted (e.g., the school the borrower was attending closed before they could finish their program).

In this article, we’ll focus mainly on the forgiveness of student loans made by the US government.

We’ll also explore various programs that are essentially loan “forgiveness” programs, even though they might be referred to as loan “repayment” programs.

For purposes of the regulatory flexibility analysis, the bill defines 'small business' as a business that is independently owned and operated and employs 100 or fewer employees.

When preparing the regulatory flexibility analysis, the agency shall consider methods to reduce the impact on small businesses, such as: The agency shall file the regulatory flexibility analysis with the secretary of state for publication in the Colorado register at the same time that it files its notice of proposed rule-making and the draft of proposed rules.

The 'State Administrative Procedure Act' (APA) currently defines a small business as a business with fewer than 500 employees.

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