Student Loan Forgiveness

Student loans have become an issue that unites people across different political and cultural landscapes in the United States. With the rising costs of education, millions of Americans are struggling to afford both undergraduate and graduate costs.

Adults decades into their career are still being impacted by the loans they took out years ago. Many will wonder how and even if they will ever be able to pay off the debt following them. This loan crisis almost makes it look like students are being punished for seeking higher education.

But a degree should not come with so many consequences. What if there were programs that could forgive your loans? Ones that literally absolve you of that debt? Some may even grant you up to 100% forgiveness. Why pay off that debt if there are other ways to take care of it?

Types of Loan Forgiveness

There are a few different types of loan forgiveness. We’ll go through each different type below.

Bankruptcy and Undue Hardship Student Loan Discharge

While this is an uncommon option, it is still possible to have your loans forgiven or discharged through bankruptcy. You would only need to provide evidence of “undue hardship” which a personal lawyer could help to back-up and legitimize.

Usually a court will administer the Brunner Test to see whether or not paying back your loans will truly be a huge burden. They will look into your personal finances to track your expenses, income, and other factors to make a decision.

The nice thing about this path is that you could have all of your loans forgiven and not have to make any more payments. If not, they may be partially discharged, or at the very least, you might get an extended repayment term and/or lowered interest rate.

Disability Discharge Student Loan Forgiveness

For people dealing with disability, there is the Total and Permanent Disability Discharge program (TPD). If approved, you receive 100% loan forgiveness and no longer owe any money in either interest or the principal loan amount. While most private lending organizations do not grant disability discharge for private student loans, this is still an opportunity worth chasing.

You must have documentation from the Social Security Office, the Veterans Affairs Office, or a licensed medical provider to prove permanent disability, and you have to have been disabled for at least 5 years to be eligible.

The amount forgiven is not shown as income to the Internal Revenue Service. You do not lose your ability to qualify for Medicare, Social Security, and other government programs. Also, you do not have to pay taxes on it and could actually get some of your money back.

Public Service Loan Forgiveness

The Public Service Loan Forgiveness (PSLF) program grants forgiveness of almost 100% of your federal student loan debt. It covers employees of the federal, state, and local governments, as well as non-profit 501(c)(3) organizations. Although the job itself does not necessarily matter, you must work full-time while also making payments on your loans in order to qualify. However, those payments do not have to be made back to back. You will have to make 120 qualified payments, or at least 10 years’ worth of payments, in order to qualify.

Direct consolidated, PLUS, Stafford, subsidized, and unsubsidized loans are all included under this PSLF program. Default loans, federal loans, and private loans are not covered in this program. If you are concerned about whether or not your loans qualify for PSLF, you may complete the process to change your federal loans into direct loans using a consolidation program.

Teacher Loan Forgiveness

If you have worked as a teacher for five consecutive years, one of them being after the 1997-1998 school year, at an elementary school, secondary school, or educational service agency catered for low-income students, you can qualify for Teacher Loan Forgiveness. The program is for teachers who work directly in a classroom. To be considered eligible, you must have been fully state certified, have a bachelor’s degree, and no past issues with your teaching licensing.

With all the news about school funding being cut and teachers being underpaid and overworked, students are becoming more hesitant to join the field. The TLF program was created to motivate students to continue becoming educators and give teachers an incentive to keep their jobs.

One of the many benefits of Teacher Loan Forgiveness is that it lets you still take part in the Public Service Loan Forgiveness program. Teachers can receive a principal reduction after a period of five years and then complete forgiveness in another ten.

Making an Inquiry About Forgiveness

The programs listed above are only a portion of federal initiatives available to help you manage your debt. There are some catered to specific professions, such as that of nurses and those in the military. There are others that cover random events like school closure or the unexpected death of a borrower.

Take advantage of the various free assessment tools available online to determine your eligibility for each. Do not hesitate to contact one of our experts to begin the next step.


Please dial (844) 585-0542 to speak with a representative regarding your student loan forgiveness.

Public Service Loan Forgiveness

The Public Service Loan Forgiveness program (PSLF) offers complete loan forgiveness to those who work in the public sector. This includes non-profit employees, Peace Corps volunteers, public school teachers and staff, and government employees to name a few.

Teacher Student Loan Forgiveness

The Teacher Loan Forgiveness program (TLF) is a form of student loan forgiveness that is separate from the Direct Loan or Obama Student Loan Forgiveness program. This program awards educators with a principal reduction of their federal loans. It was designed to encourage students to enter the education field and to incentivize teachers to continue teaching.

Trump Student Loan Forgiveness

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