Student Loan Forgiveness 143 articles

Student Loan Forgiveness

PSLF, IDR forgiveness, borrower defense, and the programs that can wipe out your balance.

Latest in Student Loan Forgiveness

143 articles · reading order

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No. 01

How forgiveness works

17 guides · in order

01 How to Apply for Student Loan Forgiveness (2026) How to apply for PSLF, IDR forgiveness, borrower defense, and disability discharge in 2026 — step by step. 10 min 02 Student Loan Forgiveness in 2026: What's Still Open & How to Apply PSLF, IBR, borrower defense, and disability discharge are still open in 2026 — even after SAVE ended. See which forgiveness program fits you and how to apply. 17 min 03 Student Loan Forgiveness After 10 Years: How it Works Federal student loan borrowers can qualify for forgiveness after 10 years’ worth of payments only if they work full-time for the government or a nonprofit. 6 min 04 Is There an Income Limit for Student Loan Forgiveness? No federal student loan forgiveness program has an income limit. Here's how your income affects your payment and timeline — and the paths open at any salary. 4 min

See all 17 guides in How forgiveness works →

No. 02

IDR & time-based forgiveness

8 guides · in order

01 IBR Loan Forgiveness: 20 or 25 Years, Who Qualifies, and What Happens at the End (2026) IBR forgiveness is processing again. See whether your discharge comes at 20 or 25 years, which payments count, and what happens when you reach the finish line. 10 min 02 How to Fix a Wrong or Missing IDR Payment Count Your IDR or IBR payment count is wrong or missing months? Here's how to build proof and push the Department of Education to correct it for forgiveness. 10 min 03 How to Enroll in the Repayment Assistance Plan (RAP) RAP launches July 1, 2026. Learn who is eligible, how enrollment works, and what to do now to prepare for the new plan. 6 min 04 Student Loan Forgiveness for Low-Income Borrowers Explore student loan forgiveness strategies for low-income individuals. Unlock debt relief through IDR plans, PSLF, state programs, and more. 11 min

See all 8 guides in IDR & time-based forgiveness →

No. 03

Disability discharge

6 guides · in order

01 How to Apply for a Total and Permanent Disability (TPD) Discharge Step-by-step guide to applying for a total and permanent disability (TPD) discharge, including forms, documentation, and review timelines. 6 min 02 When a TPD Discharge Is Final A TPD discharge is final once approved. Learn when it can be reinstated, whether you can work, and how new federal loans affect discharge status. 4 min 03 Who Qualifies for Disability-Based Student Loan Forgiveness See how the federal government defines disability-based student loan forgiveness and which borrowers meet the eligibility standard. 3 min 04 Cancer and Student Loans: Forgiveness and Relief Options When you’re fighting cancer, the last thing you should have to worry about is deciphering complex student loan repayment information. Yet, for many student loan borrowers, the struggle to understand and access loan forgiveness options feels like another uphill battle. 8 min

See all 6 guides in Disability discharge →

No. 04

Borrower defense & school closures

13 guides · in order

01 What is Borrower Defense to Repayment? Eligibility & How to Apply You can apply for the borrower defense application process in 3 ways: 16 min 02 Can I Get Student Loan Forgiveness if My School Closed? Looking to get your loans forgiven because your school closed? 3 min 03 For-Profit College Student Loan Forgiveness List [Fraud] Overlapping Forgiveness: Borrower Defense Repayment and Sweet v. Cardona Programs 10 min 04 Former ITT Tech Students Eligible for Federal Student Loan Forgiveness “Our action today will give thousands of borrowers a fresh start and the relief they deserve,” Cardona said in a statement. “Many of these borrowers have waited a long time for relief, and we need to work swiftly to render decisions for those whose claims are still pending.” 3 min

See all 13 guides in Borrower defense & school closures →

No. 05

Teacher & education

3 guides · in order

01 School Counselor Student Loan Forgiveness: What Qualifies in 2026 School counselors rarely qualify for Teacher Loan Forgiveness — but PSLF usually works. What qualifies in 2026: PSLF, IDR forgiveness, and state programs. 8 min 02 Student Loan Forgiveness for Early Childhood Educators: How to Get It Explore student loan forgiveness options for Early Childhood Educators, including PSLF, IDR forgiveness, and state-based programs to help manage your debt. 5 min 03 Private Student Loan Forgiveness for Teachers: What You Can Actually Do No, private student loan forgiveness for teachers doesn’t exist—but here’s how to lower your debt, cut payments, or settle for less. 6 min

No. 06

Healthcare & medical

8 guides · in order

01 How to Get Student Loan Forgiveness as a Travel Nurse Travel nurses can get student loan forgiveness through PSLF, IDR plans, or Nurse Corps. Learn which programs fit your career and debt situation. 7 min 02 Chiropractic Student Loan Forgiveness: What Actually Works in 2026 No federal program forgives chiropractic loans by profession. What works in 2026: income-driven forgiveness, PSLF in the right job, IHS, and state programs. 8 min 03 Naturopathic Doctors & Student Loan Forgiveness: How it Works Naturopathic doctors: find a natural path to qualify for Public Service Loan Forgiveness. Learn how PSLF and IDR can wipe out your student loans. 8 min 04 Optometry Student Loan Forgiveness Options Struggling with optometry student loan forgiveness? Learn how PSLF, IDR, and employer programs can help cut your debt and get relief faster. 9 min

See all 8 guides in Healthcare & medical →

No. 07

Other professions & service

5 guides · in order

01 Do Law Firms Offer Student Loan Forgiveness? Explore Your Options Do law firms pay off student loans? Discover federal forgiveness programs like PSLF, IDR, and repayment assistance from top firms. 10 min 02 Student Loan Forgiveness for Lawyers: How to Get It Explore student loan forgiveness options for Lawyers, including PSLF, IDR forgiveness, and Loan Repayment Assistance Programs to help manage your debt. 10 min 03 Student Loan Forgiveness For Engineers: How to Get It Explore student loan forgiveness options for engineers, including IDR, PSLF, state programs, and employer assistance to help manage your debt. 7 min 04 Community Service Student Loan Forgiveness: How to Get It Explore student loan forgiveness options for Community Service Workers, including PSLF, IDR Forgiveness, and other programs to help manage your debt. 9 min

See all 5 guides in Other professions & service →

No. 08

Servicer-specific forgiveness

12 guides · in order

01 Navient Loan Forgiveness: Who Qualifies Now Navient doesn’t forgive loans, but you may still qualify for federal forgiveness or relief through MOHELA or Aidvantage. Learn who qualifies and how to apply. 3 min 02 Navient Private Loan Forgiveness: How It Works Navient’s private loan forgiveness explained — who qualifies, how to apply, and why most borrowers are denied relief. 2 min 03 Nelnet Student Loan Forgiveness: How to Get It Explore Nelnet Student Loan Forgiveness: eligibility, application steps, and tips to secure your financial freedom. 10 min 04 AES Student Loans: Repayment and Forgiveness Options American Education Services is a student loan servicer to millions of federal and private student loan borrowers. If you have AES student loans, you might have questions about this company and how it can help you throughout the student loan repayment process. Here’s what you shou 10 min

See all 12 guides in Servicer-specific forgiveness →

No. 09

Taxes & refunds

7 guides · in order

01 Student Loan Cancellation and Settlement Taxes: What the 1099-C Really Means Got a 1099-C after student loan forgiveness or settlement? Find out if you’ll owe tax and how to claim the current federal or IRS insolvency exclusions. 4 min 02 Student Loan Cancellation and Settlement Taxes: What the 1099-C Really Means Got a 1099-C after student loan forgiveness or settlement? Find out if you’ll owe tax and how to claim the current federal or IRS insolvency exclusions. 4 min 03 Will I Owe Taxes on IBR Loan Forgiveness After 2025? If your IBR forgiveness posts in 2026, you could owe taxes once the 2025 tax break ends. Learn how to avoid a surprise bill. 4 min 04 Securing Your Student Loan Forgiveness Refund: A Guide Learn more about student loan refunds and forgiveness with this guide. Understand various programs, eligibility criteria, and how to request a refund. 9 min

See all 7 guides in Taxes & refunds →

No. 10

Policy & news

3 guides · in order

01 What Happens to Student Loans if Trump Wins? With Trump returning to the White House, find out how student loan forgiveness programs may change and what steps you should (or shouldn’t) take now. 8 min 02 What Kamala Harris Means for Your Student Loans You’re probably anxious about the future of student loan forgiveness, especially with Biden endorsing Harris as the Democratic presidential nominee for 2024. If you’re waiting for relief under current initiatives, you’re facing some uncertainty. Understanding Harris’s approach ca 9 min 03 Trump Administration Eyes Major Changes to Student Loan Plans Learn how upcoming student loan rule changes could impact PSLF, PAYE, and ICR—and what steps you can take now to protect your path to forgiveness. 6 min

No. 11

State programs

61 guides

01 State Student Loan Forgiveness Programs to Reduce Your Debt Discover state student loan forgiveness programs that can alleviate your debt. Learn how to qualify and take advantage of these valuable resources. 8 min 02 Alabama Student Loan Forgiveness Programs Explore the Alabama student loan forgiveness programs available to ease the financial burden on graduates and parents. 9 min 03 How Alabama Nurses Can Qualify for Student Loan Forgiveness Alabama student loan forgiveness for nurses is possible through federal and state programs. Find out what you qualify for and how to apply. 5 min 04 Guide to State of Alaska Student Loan Forgiveness Alaska student loan forgiveness programs— Your solutions to become debt-free. Learn your top options and how to apply to each program. 11 min

See all 61 guides in State programs →

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