The Ultimate Guide to Teacher Student Loan Forgiveness

Calling all teachers! We’ve got the ultimate guide to teacher student loan forgiveness! Learn more details about teacher loan forgiveness here!

Teachers may be underpaid and underappreciated, but with all of the teacher student loan forgiveness programs out there, they probably aren’t inclined to say that loan forgiveness isn’t in their future.

Indeed, there are a plethora of loan forgiveness programs available to teachers. Unfortunately, though, not every aspiring teacher who takes on debt in order to educate students is aware of the fact these programs even exist.

Luckily for these educators, there is a host of information available to them online.

Almost everything they’d ever need to know about teacher student loan forgiveness is literally a click or two away, and if they happen to be on this page, they’ll find that the information is a bit closer than that.

That said, current and future teachers, follow along as we run through some of the loan forgiveness options you’ll want to take advantage of.

Public Service Loan Forgiveness

The Public Service Loan Forgiveness Program is one of the most well-known teacher student loan forgiveness programs around. In all fairness, though, this program isn’t designed exclusively for teachers.

In fact, anyone who works for “government organizations at any level,” “not-for-profit organizations that are tax-exempt,” and “other types of not-for-profit organizations” could meet the requirements for this program.

Still, teachers are certainly eligible for student loan forgiveness if they can meet the program’s requirements, the most important of which is that they work for an organization which falls into one of the aforesaid categories.

Not only do teachers have to work for a certain type of employer, but they also have to make “120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.”

Please note that the payments must be made while employed by a qualifying employer. Further still, if you’re a teacher, perhaps you’ll be somewhat happy to know that your payments don’t have to be consecutive.

Teacher Loan Forgiveness

There is absolutely no question about the fact that the Teacher Loan Forgiveness Program was designed specifically for teachers. Some people would say that this program has fewer stipulations than the program we talked about in the previous section.

We would be inclined to agree with these people since the Teacher Loan Forgiveness Program’s most crucial stipulation is that you are a teacher. We’re willing to bet, jokingly of course, that most teachers have this one covered.

Needless to say, there are other requirements teachers must meet. For example, they must teach “full-time for five complete and consecutive academic years in certain elementary and secondary schools and educational service agencies that serve low-income families.”

While meeting these requirements might prove difficult for some educators, many teachers shouldn’t have a hard time meeting them. If, though, you find that you can’t meet them, there are other programs that you can turn to, some of which are on this list.

Note that this program only forgives up to $17,500 dollars “on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans.”

Teacher Cancellation

If you took the time to visit the link we provided for the Teacher Student Loan Forgiveness Program, you probably ran across some information about loan cancellation. If not, however, don’t worry because we’re about to go over some of the specifics.

This teacher loan cancellation works a bit differently than the two programs we mentioned above. The requirements also differ slightly.

In order to qualify for loan cancellation, you must teach in a school that serves “students from low-income families,” be a “special education teacher,” or teach “in the fields of mathematics, science, foreign languages, or bilingual education, or in any other field of expertise determined by a state education agency to have a shortage of qualified teachers in that state.”

If you happen to meet those requirements, you could be eligible for loan cancellation “of up to 100 percent.” This loan cancellation, however, only applies to teachers who have loans from the Federal Perkins Loan Program. Not only that, but you could also be eligible for loan deferment.

If you’d like some more information about loan cancellation, the Federal Student Aid site suggests that you “check with the school that made your Federal Perkins Loan.”

Teacher Student Loan Forgiveness at the State Level

Thus far, we’ve only talked about federal teacher student loan forgiveness programs, primarily because they’re well-known and accessible to a large number of teachers. Of course, federal loan forgiveness programs aren’t the only programs out there.

There are numerous loan forgiveness programs that are provided at the state level since each state has its own incentivizing programs. Needless to say, though, there are far too many programs to list here. That said, you are primarily responsible for discovering the local programs which benefit you as a teacher.

Fortunately, there are several good starting points. You might try joining forums that have been designed for teachers or visiting your state’s website in order to find out more about state-sponsored loan forgiveness programs. You could also probe your colleagues for information about these programs.

If you’re looking for a database which allows you to sift through state programs, look at what the American Federation of Teachers has to offer.


In all honesty, our list of teacher student loan forgiveness programs is modest at best. There are several other programs out there that aim to help teachers shake off their debt.

Further still, there is little reason to think that you have to limit yourself to loan forgiveness programs that specifically target teachers. You could no doubt find multiple programs which target the general population that could help you chip away at your loans.

Having said as much, don’t stop your search here. Our guide might be the ultimate guide, but guides only go so far. Your debt will always belong to you. Consequently, so will the burden of the research.

Don’t hesitate to contact us if you have any more questions about teacher student loan forgiveness!