Teacher Loan Forgiveness
(5 year program)
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
Ready to apply?
Step 2: Fill out the application for forgiveness
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
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.