Federal Loan Forgiveness Programs

We know committing to complete a degree is an investment of time, effort, and of course, money.  

In addition to grants and scholarships you may be eligible for and receive, understanding your options when it comes to paying off student loans is critical.  

One option available to some, depending on the field they enter after graduation, is to apply for the Federal Student Loan Forgiveness Programs*. Loan forgiveness opportunities can help reduce or eliminate your federal student loan debt under specific conditions.  

Below, you’ll find an overview of these programs and links for more detailed information. 

Public Service Loan Forgiveness (PSLF) 

If you work for a government or a not-for-profit organization, you might qualify for loan forgiveness after making 120 qualifying monthly payments under a qualifying repayment plan. 

Learn more about PSLF

Teacher Loan Forgiveness 

Teachers serving in low-income schools or educational agencies could be eligible for up to $17,500 in loan forgiveness on Direct Subsidized and Unsubsidized Loans and Subsidized and Unsubsidized Federal Stafford Loans. 

Learn more about Teacher Loan Forgiveness

Perkins Loan Cancellation and Discharge 

Certain teaching services, or other qualifying occupations and circumstances, can lead to a percentage of the Perkins Loan being canceled. This applies to individuals who have Federal Perkins Loans. 

Learn more about Perkins Loan Cancellation and Discharge

Income-Driven Repayment Plans 

If you’re repaying your loans under an income-driven repayment plan and make the requisite number of payments, you might be eligible for the remaining balance to be forgiven. 

Learn more about Income-Driven Repayment Plans

Loan Discharge due to Death or Disability 

In the unfortunate event of the borrower’s death or total and permanent disability, federal student loans can be discharged. 

Learn more about Discharge Due to Death   

Learn more about Disability Discharge 

Additional Resources 

For a comprehensive understanding of all federal student loan forgiveness, cancellation, and discharge programs, please visit the official Federal Student Aid website

If you have more specific questions or need personal assistance, please reach out to our financial aid office. 

*University of Western States takes great care providing information regarding Federal Student Loan Forgiveness Programs to our students and alumni. It’s important to note that the administration and management of these programs do not fall under our purview. Our primary objective with this page is to offer comprehensive information for your reference. All questions should be directed to the Department of Education via www.ed.gov