Yes, teachers can get student loan forgiveness through several federal programs designed specifically for educators. The main options include the Teacher Loan Forgiveness Program and Public Service Loan Forgiveness (PSLF). Eligibility depends on your teaching position, years of service, and loan type.
This guide explains each program, who qualifies, and how to apply. By the end, you will know exactly which path fits your situation and what steps to take next.
Teacher Loan Forgiveness Program
The Teacher Loan Forgiveness Program is the most direct option for teachers. It cancels up to $17,500 of your federal Direct or Stafford loans after you teach full-time for five complete and consecutive years.
To qualify, you must teach in a low-income school or educational service agency. The U.S. Department of Education publishes a list of qualifying schools each year.
Eligibility Requirements
- You must be a highly qualified teacher, meaning you hold at least a bachelor’s degree and full state certification.
- You must teach full-time for five consecutive years at a qualifying low-income school.
- Your loans must be Federal Direct or Federal Stafford loans (not PLUS or Perkins).
- You must not have had an outstanding balance on a Direct or Stafford loan as of October 1, 1998.
How Much Can You Get?
The maximum forgiveness is $17,500 for highly qualified math, science, or special education teachers. All other eligible teachers can receive up to $5,000.
The exact amount depends on your subject area and the year you received your loan. Your loan servicer calculates the final figure when you apply.
Public Service Loan Forgiveness (PSLF)
Public Service Loan Forgiveness is another federal program that benefits teachers. It forgives the remaining balance on your Direct Loans after you make 120 qualifying monthly payments while working full-time for a qualifying employer.
Most public schools qualify as public service employers. This means teachers in traditional public schools can use PSLF.
Key Differences from Teacher Loan Forgiveness
| Feature | Teacher Loan Forgiveness | Public Service Loan Forgiveness |
|---|---|---|
| Years of service required | 5 consecutive years | 10 years (120 payments) |
| Maximum forgiveness | $17,500 | Remaining balance (no cap) |
| Loan types eligible | Direct and Stafford | Direct Loans only |
| Payment plan required | Any plan | Income-driven repayment plan |
| Employer type | Low-income school | Any qualifying public employer |
Can You Combine Both Programs?
Yes, you can use both Teacher Loan Forgiveness and PSLF, but the rules are specific. You cannot count the same five years of teaching toward both programs simultaneously.
For example, if you receive Teacher Loan Forgiveness after five years, you can then start making PSLF payments from year six onward. Your earlier payments before Teacher Loan Forgiveness do not count toward PSLF.
To maximize benefits, consider applying for Teacher Loan Forgiveness first if you qualify, then begin a new PSLF payment track.
Other Forgiveness Options for Teachers
Beyond the two major programs, teachers may also qualify for state-based forgiveness or loan repayment assistance. Many states offer their own programs for educators in high-need subjects or rural areas.
Additionally, the Teacher Cancellation for Perkins Loans program was available for federal Perkins Loans, but new Perkins Loans are no longer issued. If you already have a Perkins Loan, you may still be eligible for cancellation through your school.
State Programs
State programs vary widely, so research your state’s education department website for current opportunities. Some states offer up to several thousand dollars per year in exchange for a teaching commitment.
Check with your school district’s human resources office for local options. They often know about state and local forgiveness programs.
How to Apply for Teacher Loan Forgiveness
Applying for Teacher Loan Forgiveness requires completing the Teacher Loan Forgiveness Application (Form 1048). You must submit this form to your loan servicer after you complete your fifth year of teaching.
The form requires certification from your school’s chief administrative officer. Make sure you keep records of your employment and loan payments.
PSLF Application Steps
- Consolidate any non-Direct loans into a Direct Consolidation Loan if needed.
- Enroll in an income-driven repayment plan (like PAYE or REPAYE).
- Submit the PSLF Employment Certification Form annually or when you change employers.
- After 120 qualifying payments, submit the PSLF Application.
Important Deadlines and Updates
As of August 12, 2026, the U.S. Department of Education has made temporary changes to PSLF under the Limited PSLF Waiver, but that waiver expired in October 2022. However, the current administration has implemented the Saving on a Valuable Education (SAVE) plan, which affects payment counts.
Teachers should stay updated on any policy changes that may affect forgiveness amounts or eligibility. Check the official Federal Student Aid website regularly.
Actionable Tips for Teachers
- Verify that your school is on the Teacher Cancellation Low-Income list each year.
- Keep copies of your employment contracts and pay stubs for all years of service.
- Consider making extra payments if you are pursuing PSLF, but only if you are in an income-driven plan.
- If you have multiple loan types, consolidate early to avoid losing qualifying payments.
- Re-certify your income and family size annually for income-driven repayment plans.
Summary
Teachers have multiple paths to student loan forgiveness, but each requires careful planning and documentation. The Teacher Loan Forgiveness Program offers up to $17,500 after five years, while PSLF forgives the remaining balance after ten years of qualifying payments. Start by confirming your eligibility, then choose the program that fits your career goals. Keep accurate records, apply on time, and stay informed about policy updates to make the most of your benefits.
Frequently Asked Questions
What is the maximum student loan forgiveness for teachers?
The maximum is $17,500 under the Teacher Loan Forgiveness Program for highly qualified math, science, or special education teachers. Other teachers can receive up to $5,000.
Do teachers qualify for Public Service Loan Forgiveness?
Yes, teachers in public schools typically qualify for PSLF if they have Direct Loans and make 120 qualifying payments under an income-driven repayment plan.
Can I get both Teacher Loan Forgiveness and PSLF?
Yes, you can use both, but you cannot count the same years of service for both programs. You must apply for Teacher Loan Forgiveness first, then start a new PSLF payment track.
What loans are eligible for Teacher Loan Forgiveness?
Eligible loans include Federal Direct Subsidized and Unsubsidized Loans, and Federal Stafford Loans. Federal PLUS loans and Perkins Loans are not eligible for this program.
How do I apply for Teacher Loan Forgiveness?
Complete the Teacher Loan Forgiveness Application (Form 1048) and submit it to your loan servicer after completing five consecutive years of teaching at a qualifying low-income school.
