Make qualifying payments under Public Service Loan Forgiveness while working full-time for a qualifying government or nonprofit employer
Enroll in an income-driven repayment plan and pursue forgiveness after the required repayment period
Apply for Teacher Loan Forgiveness if you teach full-time in a low-income school or educational service agency and meet the service requirements
Seek forgiveness through the Perkins Loan Cancellation program if you have eligible Perkins Loans and work in qualifying public service roles
Apply for discharge if your school closed while you were enrolled or shortly after you withdrew
Apply for borrower defense to repayment if your school misled you or committed misconduct related to your loan or education
Request a closed school discharge if your school shut down before you completed your program
Apply for total and permanent disability discharge if you qualify due to a medical condition
Apply for discharge in cases of death
Check whether your state offers loan repayment assistance or forgiveness programs for your profession
Use employer-sponsored student loan repayment benefits if available
Consolidate or recertify loans only when required to remain eligible for a forgiveness program
Keep documentation of employment, payments, and loan status for forgiveness applications
Contact your loan servicer to confirm eligibility and submit the correct forgiveness application
Avoid missing deadlines or failing to recertify income and employment when required