Federal Loan Forgiveness Programs are available to federal student loan borrowers who meet certain criteria. These programs are administered by the U.S. Department of Education and we encourage you to research these opportunities.
There are three types of federal student loan forgiveness programs currently available to federal student loan borrowers:
Loan Forgiveness for Teachers: The Teacher Loan Forgiveness program allows eligible borrowers to
receive forgiveness of up to a combined total of $17,500 of outstanding student loan
balances on Federal Subsidized or Federal Unsubsidized loans. Learn more about Loan Forgiveness for Teachers from the Federal Student Aid Office of the U.S. Department of Education.
Public Service Loan Forgiveness: The Public Service Loan Forgiveness program allows forgiveness of the
remaining balance due on your eligible federal student loans after you
have made 120 qualifying payments on Federal Direct loans under certain repayment plans while
employed full time by certain public service employers. Learn more about Public Service Loan Forgiveness here or the Federal Student Aid Office of the U.S. Department of Education website.
Income-Driven Repayment Loan Forgiveness after 20 or 25 years: Federal student loan borrowers who are on an income-driven repayment plan may have federal student loan balances forgiven after 20 or 25 years of making on-time payments. (The 20 or 25 year forgiveness plan depend on when the borrower was designated a "new" borrower.) You can learn more about this forgiveness program here or the Federal Student Aid Office of the U.S. Department of Education website.
While you may qualify for both Teacher Loan Forgiveness and Public Service Loan Forgiveness, the five years of employment for Teacher Loan Forgiveness will not count towards the 10 years of qualifying employment required for Public Service Loan Forgiveness. Your federal student loan servicer will help you determine the best course of action based on your employment and remaining federal loan balance.
We strongly encourage you to work closely with your loan servicer upon graduation. Logging in to NSLDS, the National Student Loan Data System, will enable you to view the loan servicer name and contact information for any and all federal loans.
Types of Aid:
Adult Undergraduates: Bachelor's Completion
Graduate and Doctoral Students
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