School Counselor Student Loan Forgiveness: What Qualifies in 2026

School counselors working in public or eligible private schools may qualify for student loan forgiveness — just usually not through Teacher Loan ForgivenessTeacher Loan ForgivenessA federal program that can forgive up to $17,500 of Direct or FFELP loans for teachers who complete five consecutive years of full-time teaching at a low-income school or educational service agency., which is limited to classroom teachers.

• Public Service Loan ForgivenessPublic Service Loan Forgiveness (PSLF)A federal program that forgives the remaining balance on Direct Loans after 120 qualifying monthly payments made while working full-time for a government or qualifying nonprofit employer. is the program that fits. Public school districts count as government employers, and your job title doesn't matter.
• Income-driven repaymentIncome-Driven Repayment (IDR)A category of federal student loan repayment plans that calculate monthly payments based on income and family size rather than loan balance. Any remaining balance can be forgiven after 20–25 years of qualifying payments. forgiveness is the backstop. After the 2025 overhaul, that means IBRIncome-Based Repayment (IBR)A federal income-driven repayment plan that caps monthly payments at 10% or 15% of discretionary income, depending on when the loans were taken out. Remaining debt is forgiven after 20 or 25 years of qualifying payments. or the new RAP plan — 20 to 30 years.
• A few states now pay counselors directly. Texas added certified school counselors to its loan repayment program in 2025.
• Most other programs exclude counselors. Teacher Loan Forgiveness, NHSC, and Perkins cancellation are built for other roles — knowing why saves you years of chasing the wrong one.

Do School Counselors Qualify for Teacher Loan Forgiveness?

Generally, no. Teacher Loan Forgiveness is limited to full-time classroom teachers, and the Department of Education doesn't treat school counseling as classroom teaching.

The program forgives up to $17,500 for highly qualified secondary math and science teachers and special education teachers at any grade level — or up to $5,000 for other teachers — after five complete and consecutive years at a low-income school listed in the department's Teacher Cancellation Low Income Directory.

Two requirements knock out most counselors:

• The "teacher" definition. The department defines a teacher as someone who provides direct classroom teaching, or classroom-type teaching in a nonclassroom setting. A counseling caseload doesn't meet that definition, even though you work with students all day.
• Teacher certification. The program requires full state certification as a teacher. A school counseling certificate or license is a different credential and doesn't satisfy it.

One exception: eligibility follows your actual duties, not your job title. If you hold a hybrid role where you teach classes full-time in addition to counseling — with the certification to match — you may qualify. Most counselors won't.

If you previously taught, the same five years of service can't count toward both Teacher Loan Forgiveness and Public Service Loan Forgiveness. Our guide to student loan forgiveness for teachers covers the program in full.

Public Service Loan Forgiveness

Public Service Loan Forgiveness (PSLF) is the forgiveness program most school counselors can actually use: it forgives your remaining federal loan balance, tax-free, after 120 qualifying monthly payments while working full-time for a qualifying employer.

Unlike Teacher Loan Forgiveness, PSLF is based on your employer, not your job. Any full-time employee of a qualifying school — counselor, teacher, librarian, administrator — can earn credit.

• Employer eligibility. Every public school district qualifies as a government employer, whether or not the school serves a low-income area. Many charter and private schools qualify because they're organized as 501(c)(3) nonprofits. For-profit schools don't qualify. You can confirm your employer with the PSLF Help Tool on StudentAid.gov.
• Full-time work. You need at least 30 hours per week, or your employer's definition of full-time if it's higher. If you split part-time counseling roles across two or more qualifying schools, your combined hours can count.
• Loan type. Only Direct Loans qualify. Older FFEL loans and Perkins Loans can become eligible through a Direct Consolidation Loan. Consolidation still works for PSLF, but since July 2026 it carries new consequences for income-driven forgiveness credit — the IDR section below and our student loan consolidation guide cover them.
• Payment plan. Your payments count when made under an income-driven plan — today that means IBR or the Repayment Assistance Plan (RAP). Payments on the 10-Year Standard plan also count, though that plan pays the loan off over the same ten years PSLF takes. Payments under the older PAYEPay As You Earn (PAYE)A federal income-driven repayment plan that caps monthly payments at 10% of discretionary income and forgives remaining debt after 20 years. It is only available to borrowers who took out their first federal loans on or after October 1, 2007. and ICRIncome-Contingent Repayment (ICR)The oldest federal income-driven repayment plan, with payments generally set at 20% of discretionary income or a fixed 12-year amount, whichever is lower. It is the only IDR plan available to Parent PLUS borrowers after consolidation. plans only count through June 30, 2028 — after that, only IBR, RAP, and 10-Year Standard payments earn credit. The new Tiered Standard plan for post-2026 borrowers does not qualify.
• Certification. The PSLF form — it replaced the old standalone Employment Certification FormEmployment Certification Form (ECF)The federal form used to certify qualifying employment for Public Service Loan Forgiveness. Borrowers submit the form to their servicer to have qualifying payments counted toward PSLF. — certifies your employment through the PSLF Help Tool; an annual filing and one at each job change keep your payment count current. Credit reaches back to October 1, 2007, the program's start date, so past qualifying work can count even if you never certified it.

If you've seen headlines about a rule letting the Department of Education disqualify certain employers from PSLF: a federal court struck that rule down on June 30, 2026, the day before it was set to take effect. An appeal is possible, but public school districts were never its target. Your PSLF path as a public school counselor works the way it always has — see the full Public Service Loan Forgiveness guide and our breakdown of which school employers qualify.

IDR ForgivenessIDR ForgivenessThe forgiveness of any remaining federal student loan balance after a borrower has completed 20 or 25 years of qualifying payments under an income-driven repayment plan, depending on the specific plan.

If PSLF doesn't fit — you work at a for-profit school, can't get to full-time, or plan to leave education — income-driven repayment (IDR) forgiveness cancels whatever balance remains after 20 to 30 years of payments tied to your income.

The 2025 federal budget law rebuilt this system, and the SAVE planSAVE Plan (SAVE)The Saving on a Valuable Education Plan, a federal income-driven repayment plan introduced in 2023 to replace REPAYE. Its implementation has been subject to ongoing litigation, and enrolled borrowers have faced court-ordered forbearance periods. no longer exists. Two plans now matter:

• Income-Based Repayment (IBR). Available if all of your Direct Loans were taken out before July 1, 2026. Forgiveness comes after 20 years of payments if you first borrowed on or after July 1, 2014, or 25 years if you borrowed earlier.
• Repayment Assistance Plan (RAP). The new income-driven plan, open to Direct LoanDirect LoanA federal student loan made directly by the U.S. Department of Education under the William D. Ford Federal Direct Loan Program. Most federal student loans issued since 2010 are Direct Loans. borrowers going forward. Payments run 1% to 10% of your income based on your adjusted gross incomeAdjusted Gross Income (AGI)A borrower's total taxable income minus specific deductions, as reported on a federal tax return. Federal income-driven repayment payments are generally calculated using AGI., with forgiveness after 30 years of payments.

Three rules that can catch you:

• New loans close old doors. Taking out any new federal Direct Loan on or after July 1, 2026 — including going back for a doctorate — generally ends IBR access for your existing loans and moves you to the newer plans.
• Consolidation resets the clock. The window to consolidate while keeping your IDR forgiveness credit closed on June 30, 2026. A consolidation completed now restarts the forgiveness count; PSLF credit is treated differently.
• Parent PLUS is its own maze. If you or your family carry Parent PLUS loans, the rules changed sharply in July 2026 — a consolidation that once opened income-driven options can now lock loans out of them instead.

Taxes work differently here than with PSLF. PSLF forgiveness is never taxed federally. IDR forgiveness was federally tax-free through the end of 2025, but under current law, balances forgiven in 2026 and later are generally taxable income again. State treatment varies — worth confirming with a tax professional as your forgiveness date approaches. The mechanics of the plans themselves are covered in our income-driven repayment guide.

State-Based Loan Forgiveness Programs

A handful of states repay counselors' loans directly — most gate eligibility on clinical licensure, and Texas is the standout that names school counselors.

• Texas. The state's Mental Health Professionals Loan Repayment Assistance Program added certified school counselors starting September 1, 2025 — one of the few state programs anywhere that names school counselors specifically. You'll need a master's degree related to counseling and a position serving students at a public school in a designated Mental Health Professional Shortage Area. Awards run up to about $60,000 over three years, and applications run in annual cycles through the Texas Higher Education Coordinating Board.
• Minnesota. The state's rural and urban mental health professional programs repay loans for counselors — but they're built around clinical licensure (LPCC, LICSW, and similar) and direct client care, so a school counselor qualifies only by holding one of those clinical licenses.
• The pattern. Most state repayment programs pay licensed clinical and behavioral health providers, not school-counseling certificate holders — the eligibility list decides, not the program name. Our state-by-state forgiveness guide covers what each state offers.

Alternative Forgiveness Options

Most other programs you'll see mentioned for educators or counselors either exclude school-based roles or apply only in narrow situations.

• National Health Service Corps. The NHSC Loan Repayment Program pays licensed clinical providers — LPCs, social workers, psychologists — who work at NHSC-approved clinical sites in shortage areas. K-12 schools aren't approved sites, so a school counseling job generally can't qualify. A counselor who also holds a clinical license and sees clients at an approved site is a different story — that path runs through our guide for mental health professionals.
• Perkins loanPerkins LoanA low-interest federal student loan for borrowers with exceptional financial need, issued by schools under a now-discontinued program. New Perkins Loans have not been made since 2017, but many existing balances are still in repayment. cancellation. Relevant only if you still carry Perkins Loans — none have been made since 2017. Cancellation is duty-based, and standard counseling roles aren't a listed category, but special education, Head Start, and serving high-risk children from low-income communities are. Eligibility follows documented duties, and applications go through the school that made the loan.
• Disability discharge. If a disability leaves you unable to work, a total and permanent disability discharge erases federal loans entirely — and it's permanently free of federal tax.
• Borrower defense. Borrower defense to repayment applies only if your school misled you about your program. Under the rules now in effect, approvals are rare and claims can take years to resolve.

Related: How to Apply for Student Loan Forgiveness