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Borrow Our Notes on How to Get Student Loans Forgiven

Wouldn’t it be nice if those student loans could just disappear? Our debt counselors can’t wave a magic wand for you (we wish!), but we can explain the next best thing: student loan forgiveness. If you’re wondering how to get student loans forgiven, keep reading and take notes… or just borrow ours!

Learn how how to get student loans forgiven.

Learn how how to get student loans forgiven.

Who qualifies for student loan forgiveness?

Before we get into how to get student loans forgiven, you need to know if you qualify. If you work at certain nonprofits or in public service and have federal student loans, you may be eligible for student loan forgiveness. For military members, public school teachers, AmeriCorps, or Peace Corps volunteers, the Public Service Loan Forgiveness program could be a good option. You should note that in order to qualify, you must be working full time. You also have to have made 120 consecutive payments on your student loans, which is equivalent to ten years of payments. Perkins and FFEL loans do not qualify for this program unless they are consolidated into a Direct Loan.

How do you apply for student loan forgiveness?

If you’re applying for Public Service Loan Forgiveness, you must fill out the application and have your employer fill out their part. Next, mail the application to FedLoan Servicing. When they have your documents, they will notify you. You do not have to keep making payments while your application is being processed. Once your application is approved, congratulations! All the interest and principal you owed on your student loans is forgiven!

What other student loan debt relief is available?

If you don’t qualify for student loan forgiveness, there are other options. A nonprofit credit counseling agency can be a good place to turn for help. They can help you go over your budget and your assets and liabilities to get a better idea of what student loan solutions will work for you. They can also help you tackle credit card debt and other unsecured debt. If the agency offers a debt management program, ask questions to figure out if it’s the right option for you. 

If you’re struggling with debt, ACCC can help. Schedule a free credit counseling session with us today. 


Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

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