Public Service and Teacher Loan Forgiveness

Public Service Loan Forgiveness

Congress created Public Service Loan Forgiveness (PSLF) to encourage students to work full time in public service jobs. Under this program, borrowers may qualify for forgiveness of the remaining balance due on their eligible federal student loans after they have made 120 payments on those loans under certain repayment plans while employed full time by certain public service employers.


Only non-defaulted loans made under the William D. Ford Direct Loan Program are eligible for loan forgiveness. The Direct Loan Program includes the following types of loans:

  • Federal Direct Stafford Loans (Direct Subsidized Loans)
  • Federal Direct Unsubsidized Stafford Loans (Direct Unsubsidized Loans)
  • Federal Direct PLUS Loans (Direct PLUS Loans) — for parents and graduate or professional students
  • Federal Direct Consolidation Loans (Direct Consolidation Loans)

Although loan forgiveness under this program is available only for loans made and repaid under the Direct Loan Program, loans made under other federal student loan programs may qualify for forgiveness if they are consolidated into a Direct Consolidation Loan. Therefore, only payments made on the Direct Consolidation Loan will count toward the required 120 monthly payments.

The 120 required payments must be made under one or more of the following Direct Loan Program repayment plans:

For More Information

Review the PSLF fact sheet for more information on the terms and conditions of the program and to understand what types of public service jobs qualify. For additional information, check out PSLF Questions and Answers.

Teacher Loan Forgiveness and Cancellation Programs

There are two types of loan forgiveness programs for teachers:

See the U.S. Department of Education's comprehensive website detailing teacher loan forgiveness and cancellation options.​​​​​​​