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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.

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

Teacher Loan Forgiveness and Cancellation Programs

There are two types of loan forgiveness programs for teachers:

  • Teacher Loan Forgiveness for Federal Direct Subsidized Loans and Federal Direct Unsubsidized Loans
  • Teacher Cancellation for Federal Perkins Loans

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