How to Get Student Loans Forgiven

Beginner 30 min 17 steps 30682 views Rating: 5.0/5 Published: 2026-03-27

Consolidate your loans into Direct Loans.. Serve in a full-time position with a public service agency.. Make steady student loan payments while working.

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Steps

1

Consolidate your loans into Direct Loans.

Step 1

Consolidate your loans into Direct Loans.

2

Serve in a full-time position with a public service agency.

Step 2

Serve in a full-time position with a public service agency.

3

Make steady student loan payments while working.

Step 3

Make steady student loan payments while working.

4

Complete and send a PSLF Employment Certification Form each year.

Step 4

Complete and send a PSLF Employment Certification Form each year.

5

Keep records of your employment for 120 months.

Step 5

Keep records of your employment for 120 months.

6

Submit a PSLF Application for Forgiveness.

Step 6

Submit a PSLF Application for Forgiveness.

7

Wait for a response from a PSLF servicer.

Step 7

Wait for a response from a PSLF servicer.

8

Meet the basic eligibility requirements.

Step 8

Meet the basic eligibility requirements.

9

Teach for 5 consecutive years at a qualifying school.

Step 9

Teach for 5 consecutive years at a qualifying school.

10

Make monthly student loan payments.

Step 10

Make monthly student loan payments.

11

Fill out your Teacher Loan Forgiveness Application after 5 years.

Step 11

Fill out your Teacher Loan Forgiveness Application after 5 years.

12

Submit your Teacher Loan Forgiveness Application to your loan servicer.

Step 12

Submit your Teacher Loan Forgiveness Application to your loan servicer.

13

Choose the repayment plan that's best for your budget.

Step 13

Choose the repayment plan that's best for your budget.

14

Consolidate your loans to simplify payment options.

Step 14

Consolidate your loans to simplify payment options.

15

Submit an Income-Driven Repayment Plan Request.

Step 15

Submit an Income-Driven Repayment Plan Request.

16

Update your income and family size each year.

Step 16

Update your income and family size each year.

17

Make monthly payments for 20 or 25 years.

Step 17

Make monthly payments for 20 or 25 years.

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