You can have your debt deleted if:
- you are least 40% or 50% disabled
- you are in receipt of disability benefit
- your income is below NOK 522,747 in 2023
Disabled people can have their debt deleted
You must be in receipt of disability benefit
You must be in receipt of disability benefit by NAV, the National Insurance Scheme in Norway, at the time of your application for deletion of debt.
You must be at least 50% disabled. If you received AAP (work assessment allowance) from NAV right up until a decision was made about your disability benefit, then being 40% disabled is enough.
If you live abroad and do not receive disability benefit from NAV in Norway, you can apply for deletion of your debt if you have been granted benefits by another country which grants similar disability benefits.
If you start receiving retirement pension instead of disability benefit, you cannot apply for deletion of debt according to the disability rules.
Wait to apply until you have been granted disability benefit
You must have been granted disability benefit from NAV before applying to Lånekassen for the deletion of your debt. In the meantime, you can use other payment relief schemes. You can apply for the deletion of interest if you receive APP, are ill or in another situation that entitles you to deletion. You can also apply for payment deferral.
Your income determines the amount of debt that can be deleted
Your debt will only be deleted if your personal and capital income is below NOK 522 747 in 2023. This applies if you do not have children under the age of 16 who you provide for. If you have children under the age of 16, you can add NOK 17 068 per child in order to see which threshold applies to you.
Returns on the assets of children shall not be taken into account if the assets are managed by the County Governor (Statsforvalteren)
You should include both your social security benefits and your work income. Child benefit and child pension for children over 16 years of age should not be included.
If you have received arrears payment, these can be disregarded if you submit documentation that they apply to a previous year.
Debt is reduced to fixed amounts
How much debt you will be left with and how much you will pay off each month, i.e. your monthly instalments, is limited and is based on your income, irrespective of how much debt you have.
The following limits and totals apply in 2023:
|Gross personal and capital income||New debt||New instalment|
|NOK 0-362,538||NOK 0||NOK 0|
|NOK 362,539-402,470||NOK 73,269||NOK 783|
|NOK 402,471-441,155||NOK 85,446||NOK 939|
|NOK 441,156-481,978||NOK 97,801||NOK 1,107|
|NOK 481,979-522,747||NOK 109,978||NOK 1,261|
You should remember to add NOK 17,068 to the income limit for each child under the age of 16. Children are regarded as being under the age of 16 up to and including the year.
Who is regarded as being a child?
- your own children, including children for whom you pay maintenance
- the children of your spouse, if you live with them for at least 40 percent of the time
- the children of your partner, if you and your partner also have your own children. You must live with these children for at least 40% of the time