Loan Forgiveness and Discharge Programs

Program	Who it's for	What it does
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.
Teacher Loan Forgiveness	You may qualify if you teach: Full-time at a low-income elementary or secondary school. See if you qualify.	Forgives part or all 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.

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