Student Loan Forgiveness Eligibility Calculator

Step 1: Your Loans & Primary Forgiveness Goal

What types of U.S. Federal Student Loans do you have? (Select all that apply)

Direct Subsidized/Unsubsidized Loans
Direct PLUS Loans (for Graduate/Professional Students)
Direct PLUS Loans (for Parents)
Direct Consolidation Loans
Federal Family Education Loan (FFEL) Program Loans
Federal Perkins Loans
I'm not sure / Other Federal Loan

Eligibility often depends on loan type. Check StudentAid.gov to identify your loans.

What is your primary interest in loan forgiveness/discharge?

Step 2: Program-Specific Details

Step 3: Other Specific Circumstances

Indicate if any of the following situations apply to you. These may lead to loan discharge under specific programs.

I have a Total and Permanent Disability (TPD).

My school closed while I was enrolled or shortly after I withdrew, and I was unable to complete my program.

I believe my school misled me or engaged in other misconduct related to my loans or education (Borrower Defense to Repayment).

I have Federal Perkins Loans AND I have worked in certain public service professions (e.g., teacher in low-income school, law enforcement, nurse, military, etc.).

Step 4: Potential Eligibility Estimate & Resources

Important Notes:

This tool provides a preliminary estimate based on your self-reported answers and simplified criteria. It is NOT an official determination of eligibility.
Student loan forgiveness programs have detailed rules that can change. Always refer to StudentAid.gov for the most current and complete information.
Specific actions, like certifying employment for PSLF or applying for a particular discharge, are required. This tool does not submit any applications.
Consider consulting with a student loan professional for personalized advice.

Official Resources:

General Forgiveness Info: studentaid.gov/manage-loans/forgiveness-cancellation
PSLF Help Tool: studentaid.gov/pslf/
IDR Plans & Forgiveness: studentaid.gov/manage-loans/repayment/plans/income-driven
Teacher Loan Forgiveness: studentaid.gov/manage-loans/forgiveness-cancellation/teacher
Disability Discharge (TPD): disabilitydischarge.com (Official U.S. Dept. of Education site)

Step 1: Your Loans & Primary Forgiveness Goal

Step 2: Program-Specific Details

Public Service Loan Forgiveness (PSLF)

Income-Driven Repayment (IDR) Forgiveness

Teacher Loan Forgiveness

Step 3: Other Specific Circumstances

Step 4: Potential Eligibility Estimate & Resources

Important Notes:

Official Resources: