Teacher Loan Forgiveness

The Teacher Loan Forgiveness and Cancellation Programs

The Teacher Loan Forgiveness Program is intended to encourage individuals to enter and continue in the teaching profession. Military spouses are common among educators and may find debt relief under this program. If you teach full-time for five complete and consecutive academic years in certain elementary and secondary schools and educational service agencies, and meet other qualifications, you may be eligible for forgiveness of up to a combined total of $17,500.

There are two types of loan forgiveness programs for teachers:

To be eligible:

  • You must not have had an outstanding balance on Direct Loans or Federal Family Education Loan (FFEL) Program loans as of Oct. 1, 1998, or on the date that you obtained a Direct Loan or FFEL Program loan after Oct. 1, 1998.
  • The loan(s) for which you are seeking forgiveness must have been made before the end of your five academic years of qualifying teaching service.
  • You must have been employed as a full-time teacher for five complete and consecutive academic years, and at least one of those years must have been after the 1997–98 academic year.
  • You must have been employed in an elementary or secondary school that
    • is in a school district that qualifies for funds under Title I of the Elementary and Secondary Education Act of 1965, as amended;
    • has been selected by the U.S. Department of Education based on a determination that more than 30 percent of the school’s total enrollment is made up of children who qualify for services provided under Title I; and
    • is listed in the Annual Directory ofDesignated Low-Income Schools for Teacher Cancellation Benefits. If this directory is not available before May 1 of any year, the previous year’s directory may be used.

Learn more about the teacher loan forgiveness and cancellationprograms here >>

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