All articles in Student Loan Forgiveness

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

143 articles Updated June 2026 Reviewed by counsel
143 of 143 guides

How forgiveness works

16 guides
01Student Loan Forgiveness in 2026: What's Still Open & How to ApplyPSLF, 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.Jun 202617 min02Student Loan Forgiveness After 10 Years: How it WorksFederal 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.Nov 20226 min03Student Loan Forgiveness Income Limit: What You Need to Know in 2024There is no income limit for any student loan forgiveness program offered by the Education Department. President Biden’s first student debt relief plan had an income cap, but that plan was struck down by the Supreme Court in 2023.Jul 20246 min04Student Loan Forgiveness if you Consolidate? Here’s HowFederal consolidation loans qualify for different forgiveness programs depending on your situation.Nov 20225 min05Who Can I Talk to About Student Loan Forgiveness?Wondering who can I talk to about student loan forgiveness? Get clear answers on who to call, what to ask, and how to avoid costly mistakes.Jan 20256 min06How Do I Know if My Student Loans Were Discharged?Hundreds of thousands of borrowers in the past two years have had their private and federal student loan balances wiped out under different debt cancellation settlements and forgiveness programs. Millions more may soon join them if President Biden takes executive action to make gOct 20225 min07Can Graduate Student Loans Be Forgiven? Yes, Here’s HowGraduate students have long carried a disproportionate burden of student loan debt, with nearly half of all federal student loan debt held by those with advanced degrees, according to a recent report from the Brookings Institute.Feb 20235 min08Can Unsubsidized Loans Be Forgiven? YesUnsubsidized federal student loans, including Stafford Loans, can indeed be forgiven. But private student loans aren’t eligible for the federal debt relief programs implemented by President Joe Biden, especially after the Supreme Court struck down his initial broad forgiveness plJun 20246 min09Can Student Loans in Default Be Forgiven? Yes — Here's HowYes, you can get student loan forgiveness even if you default, but it usually won’t happen automatically. For federal student loans, most programs require you to remove the student loan default status to become eligible for forgiveness or other debt relief opportunities. This typAug 20246 min10FFELP Loans: What They Are and How to Get Them ForgivenFFELP loans are federal student loans made before 2010. Here's how they differ from Direct Loans and what it takes to get them forgiven.Apr 20269 min11ALPLN Loan Type: Student Loan Forgiveness Isn’t An OptionUnderstand ALPLN Loans, their limited repayment options, and find strategies for managing this debt. Take control of your financial life today.Jun 20234 min12Student Loan Forgiveness for Married CouplesMarrying someone with student loan debt can introduce financial strain capable of testing the strongest bonds. The stress compounds when both spouses carry mounds of debt. Thankfully, student loan forgiveness is an option for most married couples.Nov 20227 min13Single Mom Student Loan Forgiveness: Your Options in 2024Single moms: Explore your 2024 student loan forgiveness options. Find ways to lower payments and achieve debt relief through SAVE, PSLF, and more.Jul 202413 min14How to Separate Your Joint Spousal Consolidation Loan: Application GuideSeparate your joint spousal consolidation loan with ease. Follow our step-by-step guide and get clear instructions to navigate your application process.Oct 20246 min15What Happens to Student Loans If You Move AbroadMoving abroad doesn’t erase U.S. student loans. Learn how repayment, default, and collection actually work when you live outside the United States.Jan 20266 min16First-Time Home Buyer Student Loan ForgivenessDiscover federal and state student loan forgiveness programs that can aid first-time homebuyers.May 20238 min

IDR & time-based forgiveness

8 guides
01IBR Loan Forgiveness: 2025 Updates & How to QualifyThe Education Department will resume loan forgiveness under IBR, ICR, and PAYE after the October 2025 AFT agreement. Learn who qualifies and how 2025 borrowersOct 20256 min02How to Fix a Wrong or Missing IDR Payment CountYour 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.Jun 202610 min03How 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.Aug 20256 min04Student Loan Forgiveness for Low-Income BorrowersExplore student loan forgiveness strategies for low-income individuals. Unlock debt relief through IDR plans, PSLF, state programs, and more.Jun 202311 min05Still Owe Student Loans Over 50? Here’s What You Can DoExplore essential insights on student loan forgiveness for those over 50. Learn the steps to take and what to expect.Mar 20258 min06‍Am I Eligible for Student Loan Forgiveness at Age 65?Student loan forgiveness at age 65 and older is possible through a variety of programs. This is encouraging news because:May 20249 min07Student Loan Forgiveness for Social Security RecipientsIn 2023, nearly 67 million Americans will receive Social Security benefits each month, amounting to over one trillion dollars in total annual benefits, according to Social Security Administration data. Of these recipients, less than 5% owe federal student loans.Mar 20234 min08IDR Payment Count 'Temporarily Unavailable'? Where to Find It and Whether Your Progress Is SafeYour IDR payment count says 'temporarily unavailable' or shows $0? Your forgiveness progress isn't lost — it's hidden. Here's how to find your real count now.Jun 20269 min

Borrower defense & school closures

13 guides
01What is Borrower Defense to Repayment? Eligibility & How to ApplyYou can apply for the borrower defense application process in 3 ways:May 202216 min02Can I Get Student Loan Forgiveness if My School Closed?Looking to get your loans forgiven because your school closed?May 20223 min03For-Profit College Student Loan Forgiveness List [Fraud]Overlapping Forgiveness: Borrower Defense Repayment and Sweet v. Cardona ProgramsJun 202410 min04Former 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.”May 20223 min05Argosy University Student Loan Forgiveness: How it WorksArgosy University closed: Know your loan forgiveness rights. Get insights on borrower defense and repayment options.Nov 20237 min06Art Institutes Borrower Defense Forgiveness: How it WorksExplore Art Institute's loan forgiveness for over 300,000 students, with Biden's plan erasing $6.1B in student debt. Relief starts now.May 20249 min07Art Institutes Student Loan Forgiveness: How to Get ItExplore the benefits of the Borrower Defense and Closed School Discharge programs for former Art Institute students.Feb 20249 min08Full Sail Student Loan Forgiveness: How to Get ItExplore Full Sail student loan forgiveness options. Uncover paths for federal forgiveness and manage private loans. Book your strategy call now.Jun 202410 min09How to Apply for University of Phoenix Loan ForgivenessIf you’re eligible, you should receive a letter and email from the University of Phoenix and its parent company, Apollo Education Group,stating: “You no longer owe any money to the University of Phoenix. You don’t have to do anything to get this relief. Your account balance willMay 20224 min10Ross University: Borrower Defense & Other Forgiveness OptionsExplore borrower defense claims related to Ross University and the potential for similar claims from its School of Medicine students.May 202311 min11FERPA Student Loan Complaint: Can a Data Breach Cancel My Student Loans?Seen the TikTok trend about filing a FERPA Student Loan Complaint to cancel debt? It won’t work. Here’s why and what actually can erase your loans.Feb 20258 min12What Is the FTC Holder Rule for Student Loans?Learn how the FTC Holder Rule protects private student loan borrowers, how it differs from Borrower Defense, and what steps you can take.Sep 20258 min13Sweet v. McMahon Settlement Update: April 15 Deadline Triggers Automatic Relief, Briefing Complete in Ninth CircuitSweet v. McMahon update: March 30 notices sent to 170,000 borrowers. April 15 deadline next. Find your situation and next step.Apr 202610 min

Healthcare & medical

8 guides
01How to Get Student Loan Forgiveness as a Travel NurseTravel nurses can get student loan forgiveness through PSLF, IDR plans, or Nurse Corps. Learn which programs fit your career and debt situation.Mar 20257 min02Chiropractor Student Loan Forgiveness: Complete Guide 2024Learn about student loan forgiveness options for chiropractors. Discover if you qualify for PSLF, IDR forgiveness, and other programs. Updated for 2024.Oct 20248 min03Naturopathic Doctors & Student Loan Forgiveness: How it WorksNaturopathic doctors: find a natural path to qualify for Public Service Loan Forgiveness. Learn how PSLF and IDR can wipe out your student loans.Dec 20248 min04Optometry Student Loan Forgiveness OptionsStruggling with optometry student loan forgiveness? Learn how PSLF, IDR, and employer programs can help cut your debt and get relief faster.Jan 20259 min05Physical Therapist Student Loan Forgiveness: How to Get ItExplore options for student loan forgiveness available to Physical Therapists, discover eligibility criteria and ways to get forgiveness.Nov 202410 min06Veterinary Student Loan Forgiveness: Complete Guide 2024Explore student loan forgiveness options for Veterinarians, including PSLF, IDR Forgiveness, and other options to help manage your debt. Updated for 2024.Nov 20248 min07Vet Tech Student Loan Forgiveness: How to Get ItExplore student loan forgiveness options for Veterinary Technicians, including PSLF, IDR Forgiveness, and other forgiveness options to help manage your debt.Nov 20246 min08Student Loan Forgiveness for Rural Medical PractitionersWhether you were drawn to a rural community for a better quality of life, competitive compensation, and a lower cost of living, or you’re a soon-to-be graduate who recognizes the pressing need for healthcare professionals in underprivileged regions, you share a common goal: to fiFeb 20236 min

Servicer-specific forgiveness

12 guides
01Navient Loan Forgiveness: Who Qualifies NowNavient 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.Nov 20253 min02Navient Private Loan Forgiveness: How It WorksNavient’s private loan forgiveness explained — who qualifies, how to apply, and why most borrowers are denied relief.Nov 20252 min03Nelnet Student Loan Forgiveness: How to Get ItExplore Nelnet Student Loan Forgiveness: eligibility, application steps, and tips to secure your financial freedom.Feb 202310 min04AES Student Loans: Repayment and Forgiveness OptionsAmerican 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 shouMay 202210 min05Edfinancial Services Student Loans: Forgiveness & Repayment Options‍ Edfinancial services federal student loans — including Direct Subsidized and Unsubsidized Loans — for the Department of Education. It’s responsible for helping borrowers enroll in income-driven repayment plans and explaining loan forgiveness options.May 202210 min06Can Sallie Mae Loans Be Forgiven? Your Options ExplainedDetermining the type of student loan you have is crucial because it directly impacts your eligibility for various relief programs, including forgiveness options.Jun 20246 min07Can SoFi Loans Be Forgiven?SoFi has been lending and refinancing student loans for the past decade. In all that time, SoFi has yet to create a student loan forgiveness program — even for death or disability. Like other private lenders, the company expects borrowers or their cosigners to pay according to thNov 20225 min08Discover Student Loan Forgiveness: Is it Possible?The news is filled with stories of student loans being forgiven because people went to certain schools, worked in public service, or received a Pell Grant. Unfortunately, none of those student loan forgiveness opportunities apply to Discover student loans. All the forgiveness youDec 20225 min09Does Wells Fargo Offer Student Loan Forgiveness?Wells Fargo offers its student loan borrowers private student loan forgiveness if the student borrower:May 20222 min10Firstmark Student Loans: Forgiveness & Repayment OptionsUnlike federal student loans, Firstmark student loans don’t qualify for student loan forgiveness programs like President Biden’s debt cancellation plan, Public Service Loan Forgiveness, or Income-Driven Repayment Plan Forgiveness. This limits the options available to student loanJan 20234 min11Private Student Loan Forgiveness: What Exists and How Private Loans Actually Get DischargedPrivate student loan forgiveness isn't a program. Learn the only ways private loans are eliminated — bankruptcy, settlement, or cancellation.Mar 20266 min12Type J Student Loan: Forgiveness & Repayment OptionsBorrowers with Type J Loans will need to consolidate their loans a second time into a Direct Consolidation Loan before they can qualify for President Biden’s broad debt cancellation, Public Service Loan Forgiveness, and Income-Driven Repayment Plan Forgiveness. Consolidating doesSep 20224 min

State programs

61 guides
01State Student Loan Forgiveness Programs to Reduce Your DebtDiscover state student loan forgiveness programs that can alleviate your debt. Learn how to qualify and take advantage of these valuable resources.Jan 20258 min02Alabama Student Loan Forgiveness ProgramsExplore the Alabama student loan forgiveness programs available to ease the financial burden on graduates and parents.Apr 20239 min03How Alabama Nurses Can Qualify for Student Loan ForgivenessAlabama student loan forgiveness for nurses is possible through federal and state programs. Find out what you qualify for and how to apply.Apr 20255 min04Guide to State of Alaska Student Loan ForgivenessAlaska student loan forgiveness programs— Your solutions to become debt-free. Learn your top options and how to apply to each program.Dec 202411 min05Alaska Student Loan Forgiveness for Nurses Who QualifyAlaska student loan forgiveness for nurses is possible through federal and state programs. See what you qualify for and how to cut your loan balance.Apr 20255 min06Student Loan Forgiveness in Arizona: State and Federal ProgramsExplore student loan forgiveness in Arizona with state and federal programs. Learn how to qualify, reduce debt, and act before deadlines close.Jan 20257 min07Nurse Student Loan Forgiveness in Arizona: What You Can GetNurse student loan forgiveness in Arizona is possible. See what programs you qualify for and how to get thousands in repayment or full loan cancellation.Apr 20255 min08Student Loan Forgiveness in Arkansas: State and Federal ProgramsDiscover your options for student loan forgiveness in Arkansas. Learn about state and federal programs to reduce your debt and take control of your loans.Jan 20256 min09Guide to State of California Student Loan ForgivenessCalifornia student loan forgiveness programs— Your solutions to become debt-free. Learn your top options and how to apply on each program.Dec 202410 min10Colorado Student Loan Forgiveness ProgramsExplore Colorado student loan forgiveness programs, federal options, and tax implications on potential debt cancellation.Apr 20235 min11Connecticut Student Loan ForgivenessDiscover Connecticut student loan forgiveness programs, federal relief options, and private loan opportunities to help you reduce or eliminate debt.Jan 20257 min12DC Student Loan ForgivenessExplore your best options for DC student loan forgiveness, repayment assistance, and federal programs to get relief faster.Mar 20257 min13Delaware Student Loan ForgivenessDiscover essential information on Delaware's student loan forgiveness programs, eligibility criteria, and application tips.Feb 20258 min14Guide to the State of Florida Student Loan ForgivenessFlorida student loan forgiveness programs— Your solutions to become debt-free. Learn your top options and how to apply to each program.Dec 20249 min15Student Loan Forgiveness for Nurses in FloridaExplore loan forgiveness programs for Florida nurses and national opportunities to ease student debt while pursuing your healthcare career.Apr 20236 min16Explore Georgia Student Loan Forgiveness OpportunitiesDiscover Georgia's student loan forgiveness programs for healthcare, military, and engineering professionals to ease repayment and support communities.Apr 20236 min17Student Loan Forgiveness HawaiiDiscover essential insights on student loan forgiveness options in Hawaii. Understand eligibility, application processes, and get informed.Mar 20257 min18Idaho Student Loan Forgiveness: See If You Qualify for ReliefDiscover how to safely apply for Idaho student loan forgiveness programs. Get essential tips and guidance to the process effectively.Mar 20256 min19Student Loan Forgiveness in Illinois: Your Complete GuideDiscover Illinois student loan forgiveness programs for teachers, dentists, and public servants. Find relief today!Jun 202410 min20IHDA SmartBuy Program in Illinois Offers Student Loan ForgivenessUnder this program, homebuyers can get up to $40 thousand of their federal and private student loan debt paid off.Oct 202224 min21Indiana Student Loan Forgiveness ProgramsIndiana ranks 17th in the nation for student loan debt, totaling a staggering $29.8 billion. With an average debt of $32,874 per borrower, more than 906,500 residents, or 13.32% of the state’s population, are grappling with this financial burden.Apr 20236 min22Iowa Student Loan ForgivenessExplore Iowa student loan forgiveness programs and discover eligibility criteria to ease your financial burden.Mar 202510 min23Kansas Student Loan ForgivenessExplore the latest options and updates on Kansas student loan forgiveness programs. Discover how you can benefit today.Mar 20258 min24Student Loan Forgiveness KentuckyDiscover programs for student loan forgiveness in Kentucky. Learn eligibility, application steps, and how to ease your financial burden.Mar 20258 min25Student Loan Forgiveness LouisianaDiscover essential Louisiana student loan forgiveness programs. Learn eligibility, application processes, and how to ease your financial burden.Mar 20258 min26Maine Student Loan Forgiveness ProgramsExplore Student Loan Forgiveness Maine programs to ease your financial burden, including options for dentists, educators, healthcare professionals, and more.May 20237 min27Maryland Programs to Pay Off Student LoansDiscover Maryland programs that can help you pay off student loans, from homebuyer assistance to repayment plans for teachers, nurses, and public service workerSep 20255 min28Massachusetts Student Loan Forgiveness ProgramsIn a time when college costs are going through the roof, the promise of student loan forgiveness has given millions of Americans hope but also a lot of worry because it’s unclear what will happen. Still, it’s a subject that has sparked heated discussion nationwide.Jun 20234 min29Michigan Student Loan Forgiveness ProgramsStudent loan debt in Michigan is a pressing issue for its 1.412 million borrowers, who collectively owe a staggering $51 billion.Apr 20235 min30Minnesota Student Loan Forgiveness ProgramsExplore Minnesota student loan forgiveness programs, federal options, and tax implications on potential debt cancellation.May 20237 min31Student Loan Forgiveness MississippiExplore Mississippi's student loan forgiveness programs and discover how to ease your financial burden.Mar 20256 min32Top Teacher Loan Forgiveness Mississippi Programs You Need to KnowDiscover essential teacher loan forgiveness programs in Mississippi that can ease your financial burden.Mar 20257 min33Student Loan Forgiveness in Missouri: How to Get ItAre you a Missourian grappling with student loan debt and searching for relief?Apr 20236 min34Montana Student Loan ForgivenessMontana student loan forgiveness programs can help you reduce or eliminate what you owe. See your best options and how to apply.Mar 20258 min35Student Loan Forgiveness NebraskaStudent loan forgiveness in Nebraska can help wipe out your debt, but choosing the right program is key. Learn what you qualify for and how to apply.Mar 20258 min36Nevada Student Loan ForgivenessNevada student loan forgiveness can help you cut your debt if you qualify. Learn about state and federal programs and find the best path to relief.Mar 20257 min37New Hampshire Student Loan ForgivenessNew Hampshire student loan forgiveness can help you lower or eliminate debt through state and federal programs. See what you qualify for and how to apply.Mar 20255 min38New Jersey Student Loan ForgivenessNew Jersey student loan forgiveness can help wipe out your debt if you work in healthcare, education, law, STEM, or public service. Find out if you qualify.Mar 20258 min39New Mexico Student Loan ForgivenessNew Mexico student loan forgiveness can reduce or eliminate your debt. Learn which state and federal programs you qualify for and how to apply.Mar 20258 min40New York Student Loan Forgiveness ProgramsDiscover NY student loan forgiveness programs, benefits, and eligibility to reduce your debt and secure your future.Apr 202313 min41Student Loan Forgiveness Programs for Nurses in New YorkExplore essential nursing loan forgiveness programs in New York. Discover benefits and eligibility requirements to ease your student debt.Feb 20257 min42North Carolina Student Loan Forgiveness ProgramsDiscover NC loan forgiveness programs to ease student debt burdens. Explore options for teachers, lawyers, healthcare providers, and more.Apr 20235 min43North Dakota Student Loan Forgiveness: What You Need to KnowNorth Dakota student loan forgiveness is real—but limited. See if you qualify for state or federal relief and get help managing your student debt.Apr 20256 min44Student Loan Forgiveness in Ohio: How to Qualify and Save BigStudent loan forgiveness in Ohio can wipe out $25K–$50K if you work in healthcare, law, or nursing. Find out what you qualify for now.Apr 20258 min45How to Get Oklahoma Student Loan Forgiveness That WorksYou can get student loan forgiveness in Oklahoma—if you're a doctor, nurse, teacher, or dentist in the right job. Here's how to qualify or what to do next.Apr 20257 min46Can You Get Student Loan Forgiveness in Oregon? Here's HowLooking for student loan forgiveness in Oregon? Learn which jobs qualify, how much you can get, and what to do if you don’t fit any program.Apr 20257 min47Pennsylvania Student Loan Forgiveness ProgramsExplore Pennsylvania student loan forgiveness programs, federal options, and tax implications on potential debt cancellation.May 20237 min48Pennsylvania Nursing Loan Forgiveness OpportunitiesExplore PA student loan forgiveness programs for nurses, offering financial assistance while serving in healthcare. Apply now!May 20237 min49What Rhode Island Student Loan Forgiveness Really OffersRhode Island student loan forgiveness exists—but it’s limited. Find out what you qualify for and how to get real relief, fast.Apr 20257 min50What South Carolina Student Loan Forgiveness Covers (and Doesn’t)South Carolina student loan forgiveness is real—but only for teachers, healthcare, or public service. See if you qualify and how to apply.Apr 20256 min51South Dakota Student Loan Forgiveness: See What Applies to YouSouth Dakota student loan forgiveness is real—but mostly for healthcare workers. See what qualifies, what doesn’t, and how to find real relief.Apr 20257 min52Tennessee Student Loan Forgiveness ProgramsDiscover Tennessee's student loan forgiveness programs. Learn how to lighten your debt load and take steps toward financial freedom.May 20235 min53Guide to the State of Texas Student Loan ForgivenessTexas student loan forgiveness programs— Your solutions to become debt-free. Learn your top options and how to apply to each program.Dec 202411 min54Texas Teachers Loan Forgiveness: Are You Missing Out on Relief?Explore essential Texas teacher loan forgiveness programs that can ease your financial burden. Discover your options and take the next step in your career!Jan 20258 min55Utah Doesn’t Offer Student Loan Forgiveness — But There’s HopeIn an era of escalating college costs and mounting student debt, student loan forgiveness has become contentious.May 20236 min56Student Loan Forgiveness in Vermont: What You Can Get NowLooking for student loan forgiveness in Vermont? Learn what you qualify for, what deadlines to watch, and how to get help before time runs out.Apr 20257 min57Virginia Student Loan Forgiveness ProgramsDiscover Virginia’s student loan forgiveness programs for medical, health, and legal professionals. Reduce your debt today!Apr 20235 min58Student Loan Forgiveness for Washington State BorrowersStudent loan forgiveness in Washington State is real—find out what you qualify for, how much you could get, and what to do before deadlines pass.Apr 20255 min59Student Loan Forgiveness in WisconsinNavigate Wisconsin's student loan forgiveness landscape. Discover state-specific and federal programs that can help you.May 20235 min60Your Guide to West Virginia Student Loan Forgiveness OptionsSee what West Virginia student loan forgiveness you qualify for. Get help if you work in health care, education, or public service.Apr 20257 min61Wyoming Student Loan Forgiveness Programs That WorkWyoming student loan forgiveness can help you erase debt through state or federal programs. Find out what you qualify for and how to get started now.Apr 20256 min

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