Loan Forgiveness and Discharge Programs

Alert! On Oct. 6, 2021, the U.S Department of Education (ED) announced a temporary period during which borrowers may receive credit for payments that previously did not qualify for PSLF or TEPSLF. Learn more about this limited waiver opportunity.

• Public Service Loan Forgiveness (PSLF)

  If you work in certain public service jobs and have made 120 payments on your Direct Loans, you may be eligible to have your loans forgiven.

• Temporary Expanded Public Service Loan Forgiveness (TEPSLF)

  If some or all of your payments were not made on a qualifying repayment plan for PSLF, you may be able to receive loan forgiveness under a temporary opportunity.

• Teacher Loan Forgiveness
  

  If you are a teacher in a low-income school or educational service agency, you may be eligible for Teacher Loan Forgiveness.

• Closed School Discharge
  

  If your school closes while you’re enrolled or soon after you withdraw, you may be eligible for discharge of your federal student loans.

• Disability Discharge

  If you are totally and permanently disabled, learn about your options to have your student loans discharged.

• Death Discharge

  If the borrower, or the student on whose behalf the loan was obtained, dies, the loan may be discharged.