Graduate School of Education

Teacher Loan Forgiveness (TLF) Program

Eligibility requirements:

  • No outstanding balance on a Federal Family Education Loan Program (FFELP) or Federal Direct Loan Program (FDLP) loan as of October 1, 1998, or on the date you obtained a FFELP or FDLP loan after October 1, 1998

  • Employed as a full-time teacher for five consecutive, complete academic years at an eligible school (considered “low-income” according to Title I funding), with at least one of five years performed after ‘97-‘98 academic year

  • Loan must have been made before end of fifth year of qualifying teaching service

  • Satisfactory repayment arrangements must be made for a loan in default

  • May not receive TLF and AmeriCorps benefit for same teaching service

  • Award limits for forgiveness under both FFELP and FDLP

Participants considered “highly qualified” under NCLB, teaching at an eligible elementary or secondary school, as a math, science or special education teacher qualify for up to $17,500 in loan forgiveness.

One major benefit in this program helps maximize the forgiveness amount for which you may qualify.  You can request that your lender grant you forbearance (a temporary postponement of loan payments) in annual increments during each of the years in which you perform your qualifying teaching service. The lender must grant this request if the lender believes that you will qualify for forgiveness of your entire anticipated outstanding loan balance at the end of your qualifying teaching service.

More information on the TLF program.

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