Public service loan forgiveness programs
For more information, visit the Federal Student Aid website.
You may qualify for loan forgiveness by:
Volunteering with AmeriCorps, Peace Corps or VISTA
Volunteering with a qualifying entity can make a direct impact on your federal student loan debt. Here is the contact information for participating volunteer organizations.
AmeriCorps | 1-800-942-2677
Peace Corps | 1-800-424-8580Back to top
Joining the military
Each branch of the service has its own federal student loan forgiveness program. Some positions may qualify for a higher amount of loan forgiveness. For details, contact an armed forces recruiter or visit them online.
- U.S. Army: Paying for College
- U.S. Army National Guard: Paying for College
- U.S. Navy: Earn Money for College
- U.S. Marine Corps
- U.S. Air Force: Money for School
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Working for the federal government or any state, local or tribal government
If you are a public servant and a Direct Loan Program borrower, your federal student loan(s) may qualify for Income-Based Repayment (IBR) or Income-Contingent Repayment (ICR) plan for 10 years. After that time, any remaining student loan debt is forgiven.
To see if you qualify for Public Service Loan Forgiveness, contact your lender(s).
Key features of Public Service Loan Forgiveness:
- The repayment term is 10 years, with payments through IBR or ICR
- You must be a full-time public servant
- All loans must be Direct Loan Program loans
- You can consolidate a non-Direct loan(s) into a Direct loan(s) to qualify
- After 10 years, any remaining student loan debt(s) is forgiven
- Deferment and forbearance periods do not count toward the 10 years
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Working for a nonprofit organization
If you are a Direct Loan Program borrower, working for some nonprofit 501(c)(3) organizations may qualify you for Public Service Loan Forgiveness.
For more details on what qualifies for Public Service Loan Forgiveness, download the U.S. Department of Education's Public Service Loan Forgiveness fact sheet.Back to top
Teaching in underserved communities
If you are a full-time teacher, you may qualify for complete cancellation of your Perkins loans and forgiveness of some or all of qualifying Stafford loans (both FFEL Program and Direct Loan Program borrowers). The requirement is that you teach at a school that serves low-income students. You can search for qualifying schools online.
For details on loan forgiveness for teachers, visit the Federal Student Aid web pages on:
The American Federation of Teachers maintains a state-by-state list of additional forgiveness programs for teachers. Visit the American Federation of Teachers website for details.
To apply for teacher loan forgiveness, talk to your lender(s) and submit the appropriate form below. If you don’t know who your lender(s) is, go to the National Student Loan Data System (NSLDS), which is the central database for all federal student loan information.Back to top