Academia Support Center

Education Your Way

Teacher Loan Forgiveness Program

TL;DR:If you teach full time for five complete and consecutive years in a low-income school or other educational service agency (and meet other qualifications) you may be eligible for the forgiveness of up to $17,500.

Sounds great, so how do I find out if I’m eligible?

If you have a Direct Consolidation Loan, or a Federal Consolidation Loan, you might be eligible for forgiveness of the remaining portion of the Consolidation Loan that repaid an eligible Direct Subsidized Loan, Direct Subsidized Loan, Subsidized Federal Stafford Loan, or Subsidized Federal Stafford Loan.

So how do I apply?

By completing the Teacher Loan Forgiveness Application and submitting it to your loan servicer after you have completed the required five years of qualifying teaching. Importantly, the chief admin of the school or educational agency where the qualifying teaching was performed must complete the “certification” section.


Basically, if you have certain types of loans and take certain steps while working for a school that serves low-income students you may be eligible for forgiveness of part of your student loan.

Also, while it is possible to take advantage of this both this program and the Public Service Loan Forgiveness Program, you cannot take advantage of both at the same time.

What this means is that the 120 monthly payments made to the PSLF cannot also be counted towards the Teacher Loan Forgiveness Program and you will have to use the programs one at a time.