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Your loan forgiveness timeline and monthly payment amount depend on which IDR plan you’re eligible to choose from. The SAVE Plan includes additional forgiveness benefits that will go into effect in February and July 2024.
Public Service Loan Forgiveness. If you’re employed by a government or not-for-profit organization, you might be eligible for the PSLF Program. The PSLF Program forgives the remaining balance on your Direct Loans. while working full-time for an eligible employer.
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You may qualify for forgiveness of the remaining balance due on your eligible federal student loans based on your employment in a public service job.
The Public Service Loan Forgiveness (PSLF) program forgives the remaining balance on your federal student loans after 120 payments working full time for federal, state, Tribal, or local government; the military; or a qualifying non-profit. Learn more about PSLF and apply.
Loan Simulator can help you check which student loan repayment plans you’re eligible for, whether you want to. compare repayment results (like a lower monthly payment), enroll in a new plan based on your end goal, see if you qualify for loan forgiveness, and under which plans, or
Only borrowers who have entered repayment on at least one of their loans when the debt relief is applied would be eligible for forgiveness on the loan(s) in repayment.
Starting in February 2024, the time to IDR loan forgiveness for borrowers on the SAVE Plan will drop to as few as 10 years (currently 20–25 years) depending on how much you borrowed to attend school. If you borrowed $12,000 or less, you’ll receive loan forgiveness after making the equivalent of 10 years of payments.
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Access to Student Loan Forgiveness Programs Defaulted loans are not eligible for any of our student loan forgiveness programs. But if you take advantage of Fresh Start, you’ll get out of default status.