Loan Forgiveness and Discharge Programs

Program Who it's for What it does
Teacher Loan Forgiveness

You may qualify if you teach:

  • Full-time at a low-income elementary or secondary school.
 Forgives part or all of your educational loan debt, provided you fulfill certain work-related requirements.
Public Service Loan Forgiveness

(for Direct Loans only)

You may qualify if you:

  • Work full-time in a public service position (and meet other eligibility requirements).
 Forgives part of your educational loan debt, provided you fulfill certain work-related requirements.
Total and Permanent Disability

You may qualify if you:

  • Can't work for pay when the work involves significant physical or mental activities.
  • Are a veteran who has been determined to be unemployable due to a service-connected condition.
 Cancels your obligation to repay the balance of your student loans.
Loan Discharge

You may qualify if your school:

  • Closed.
  • Falsely certified your ability to benefit from education.
  • Signed your name without your authorization.
  • Failed to pay a tuition refund.

You may also qualify if:

  • Your loan was falsely certified as a result of a crime of identity theft.
  • You're the spouse or parent of victims of the 9/11/01 terrorist attacks.
 Dismisses your monthly loan payments and refunds payments you have already made.
Civil Legal Assistance Attorney Student Loan Repayment Program

You may qualify if you:

  • Work full-time as a civil legal assistance attorney (and meet other requirements).
 Offers up to $6,000 per year (maximum of $40,000 total) to repay eligible loans; available on a first-come/first-served basis only.

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