Teacher Loan Forgiveness Program

The federal government honored teachers in certain elementary and secondary schools that serve low-income families through the creation of the Teacher Loan Forgiveness Program (TLFP). To be eligible, a teacher

  • must be a new borrower of a Direct or FFEL loan after Oct. 1, 1998 (excludes Parent PLUS Loans), and
  • teach full-time in a low-income elementary or secondary school or educational service agency for 5 consecutive years

For most, the maximum forgiveness is $5,000. However, for highly qualified secondary math and science teachers and special education teachers, you may qualify for up to $17,500.

To apply, complete this form and send to each lender or servicer.

Please be aware that teachers may also qualify for repayment benefits through the Public Service Loan Forgiveness Program or Perkins Loan Cancellation.