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Teacher Loan Forgiveness

(5 year program)

Getting Started

Step 1: Teach full-time for 5 consecutive years

at a low-income school


Not sure if your school qualifies? 

Click on the link below to see if your school is

on the low-income list 

Masks in Classroom
School Supplies

Ready to apply?





Step 2: Fill out the application for forgiveness

Office Meeting

Application signed?​                             



Step 3: Send completed application to your loan servicer


                                             Not sure where to send it?

                                           See our list of loan servicers for

                                           their fax number and address

Copying Down

Haven't quite finished your 5 years of teaching yet?

You may qualify for forbearance if your loan amount

is at or under the amount to be forgiven!


  • Forgives up to $5000 or $17,500 in forgiveness.

  • 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.

  • You must have been employed as a full-time, highly qualified 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 at an elementary school, secondary school, or educational service agency that serves low-income students.

  • Your loans must have been taken out before the end of your five academic years of qualifying teaching service.

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