Disabled people can have their debt deleted
You must be in receipt of disability benefit
You must have been granted disability benefit by the National Insurance Scheme in order to have your debt deleted.
You must be at least 50% disabled. If you received AAP (work assessment allowance) from NAV (the Norwegian Labour and Welfare Administration 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 the National Insurance Scheme in Norway, you can apply for deletion of your debt if you have been granted benefits by another country which grants similar disability benefits.
Wait to apply until you have been granted disability benefit
You must have been granted disability benefit from the National Insurance Scheme 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 501.677 in 2022. 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 16 380 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 2022:
|Gross personal and capital income||New debt||New instalment|
|NOK 0-347,925||NOK 0||NOK 0|
|NOK 347,926-386,248||NOK 70,316||NOK 751|
|NOK 386,249-423,373||NOK 82,002||NOK 901|
|NOK 423,374-462,551||NOK 93,859||NOK 1,062|
|NOK 462,552-501,677||NOK 105,545||NOK 1,210|
You should remember to add NOK 15,903 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