{"id":24442,"date":"2026-04-25T18:41:51","date_gmt":"2026-04-25T18:41:51","guid":{"rendered":"https:\/\/incredipros.com\/?p=24442"},"modified":"2026-04-25T18:41:52","modified_gmt":"2026-04-25T18:41:52","slug":"should-i-apply-for-student-loan-forgiveness","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24442","title":{"rendered":"Should I Apply for Student Loan Forgiveness?"},"content":{"rendered":"<div>\n<p>Remember when you were first trying to figure out life after high school? People were expecting you to make all these life-altering decisions\u2014like what college to go to, what major to choose, and what dream job to chase after. Somewhere along the way, you were probably sold the idea of taking out student loans.<\/p>\n<p>But now, your college days are behind you, and you\u2019re staring at a mountain of student loan debt, wondering if you should apply for student loan forgiveness.<\/p>\n<p>Here\u2019s the answer: While it\u00a0<em>is<\/em>\u00a0possible to get student loans canceled in a few very specific situations, you shouldn\u2019t bank on it. Student loan forgiveness isn\u2019t nearly as reliable as it may seem.<\/p>\n<p>You don\u2019t want to carry around the burden of student loans, but you need a plan that actually works\u2014not one that will leave you more disappointed in the end. So here\u2019s everything you need to know about student loan forgiveness.<\/p>\n<p><h2><strong>What Is Student Loan Forgiveness?<\/strong><\/h2>\n<\/p>\n<p>Student loan forgiveness first came on the scene in 2007 to help graduates with their student loan debt.<sup>1<\/sup>\u00a0With rare exceptions, student loan forgiveness is only available through federal programs with\u00a0<em>very specific<\/em>\u00a0requirements\u2014like making a certain number of payments or working for an approved employer.<\/p>\n<p>And while President Joe Biden tried introducing a new student loan forgiveness plan in 2022 to cancel a portion of federal student loan debt for all borrowers, the U.S. Supreme Court shut it down.<sup>2<\/sup><\/p>\n<p>So these days, when people want to know about applying for student loan forgiveness, they\u2019re usually talking about those federal programs with strict requirements.<\/p>\n<p><h2><strong>How Does Student Loan Forgiveness Work and Who Qualifies?<\/strong><\/h2>\n<\/p>\n<p>Not all student loan forgiveness programs are created equal. Each has its own set of rules and separate application process. (If it already sounds complicated, that\u2019s because it is.) And it doesn\u2019t help that these programs are constantly being tweaked.<\/p>\n<p>But let\u2019s walk through the most common student loan forgiveness programs and their current requirements. Keep in mind, these are only for\u00a0<em>federal<\/em>\u00a0student loans\u2014private student loan forgiveness\u00a0is a whole other beast.<\/p>\n<p><h3><strong>Public Service Loan Forgiveness<\/strong><\/h3>\n<\/p>\n<p>When someone brings up student loan forgiveness, they\u2019re usually talking about\u00a0Public Service Loan Forgiveness (PSLF). You might hear people say,\u00a0\u201c<em>All you have to do is work for a nonprofit for 10 years and your student loans are taken care of.\u201d<\/em>\u00a0But unfortunately, it\u2019s not quite that simple.<\/p>\n<p>In order to qualify for public service loan forgiveness, you must:<sup>3<\/sup><\/p>\n<ul>\n<li>Have Direct Loans<\/li>\n<li>Work full time for a\u00a0qualifying employer, like the government or a 501(c)(3) nonprofit<\/li>\n<li>Have an\u00a0income-driven repayment plan\u00a0<\/li>\n<li>Make 120 monthly payments<\/li>\n<li>Never miss a payment\u00a0for\u00a0<em>10 years<\/em><\/li>\n<\/ul>\n<p>A lot of people apply for PSLF, and for years, the odds of forgiveness were almost nonexistent\u2014between September 2020 and June 2023, less than 1% of applications were approved.<sup>4<\/sup>\u00a0Things have improved under new rules, but not by much. From June 2024 through July 2025, nearly 3 million people applied, and only about 13% have actually had their loans forgiven so far.<sup>5<\/sup> That means nearly 9 out of 10 borrowers who apply are still paying on their loans.<\/p>\n<p><h3><strong>Teacher Loan Forgiveness<\/strong><\/h3>\n<\/p>\n<p>If you\u2019re a teacher, you might be able to ditch up to $17,500 of your federal student loans. But to apply for teacher loan forgiveness, you must first:<sup>6<\/sup><\/p>\n<ul>\n<li>Have no outstanding balance on Direct Loans or Federal Family Education Loans before October 1, 1998 (or when you first borrowed after that date).<\/li>\n<li>Work full time as a highly qualified teacher for five academic years in a row<\/li>\n<li>Have taken out the loan before the end of your five teaching years<\/li>\n<li>Teach low-income students at an educational service agency or at the elementary, middle or high school level<\/li>\n<\/ul>\n<p>Even after you\u2019ve checked all the right boxes, your application may not get approved. And you should know that you can only get up to $17,500 forgiven if you\u2019re a math, science or special education teacher\u2014any other teachers can only get up to $5,000 forgiven.<sup>7\u00a0<\/sup><\/p>\n<p><h3><strong>Total and Permanent Disability Discharge<\/strong><\/h3>\n<\/p>\n<p>If you have a disability that leaves you totally or permanently disabled, your federal student loans or your TEACH Grant service obligation could be discharged.<\/p>\n<p>To qualify for total and permanent disability (TPD) discharge, you have to prove your disability status through either the Veterans Affairs office, the Social Security Administration office, or your physician.<\/p>\n<p>But you should know that if your loans\u00a0<em>do<\/em>\u00a0get discharged, you\u2019ll be monitored for the next three years to make sure you actually have a disability. And if your condition changes at all during those three years, you may have to start paying on your loans again.<\/p>\n<p><h3><strong>Borrower Defense to Loan Repayment<\/strong><\/h3>\n<\/p>\n<p>If your school misled you or violated certain state laws, you might be able to have some or all of your student loans discharged through a program called borrower defense. You only qualify for this if your school committed fraud related directly to your federal student loan\u2014like claiming more graduates got jobs straight out of their program than actually did.<\/p>\n<p>Borrower defense usually happens automatically for those who were affected on a large scale.<sup> <\/sup>But if you feel like you have an individual case for borrower defense and want to apply on your own, you\u2019ll have to wade through a lot of legal jargon and documentation. While it\u2019s possible that you could have your loans discharged, proving that your school committed fraud isn\u2019t easy.<\/p>\n<p><h3><strong>Parent PLUS Loan Forgiveness<\/strong><\/h3>\n<\/p>\n<p>A Parent PLUS Loan is a federal loan parents can take out to help cover their child\u2019s college costs. And yes\u2014these loans <em>can<\/em> be forgiven\u2014but the process is long and complicated.<\/p>\n<p>The only repayment plan Parent PLUS borrowers can use is called Income-Contingent Repayment (ICR). But to even get on that plan, you first have to combine your loans into a Direct Consolidation Loan. After that, you\u2019ll make payments based on your income for 25 years\u2014updating your income every year\u2014in hopes the rest of the balance gets forgiven.<\/p>\n<p>And if you\u2019re working toward PSLF, Parent PLUS Loans <em>can<\/em> qualify\u2014but only after you consolidate and get on the ICR plan first. Just remember that approval rates have historically been very low.<\/p>\n<p><h3><strong>Closed School Discharge<\/strong><\/h3>\n<\/p>\n<p>If you lost money because your school closed before you could get a degree, you may qualify for closed school discharge if you meet one of these conditions:<sup>8<\/sup><\/p>\n<ul>\n<li>You were enrolled when your school closed<\/li>\n<li>You were on an approved leave of absence when your school closed<\/li>\n<li>Your school closed within 180 days after you withdrew<\/li>\n<\/ul>\n<p>Like with borrower defense to repayment, you usually don\u2019t have to do anything to get this kind of cancellation. But if the U.S. Department of Education doesn\u2019t automatically send you a notice of your loans being discharged, you may need to\u00a0send in your own application.<\/p>\n<p><h3><strong>Income Share Agreements<\/strong><\/h3>\n<\/p>\n<p>You might see these advertised as an affordable, \u201csmarter\u201d alternative to student loans\u2014but let\u2019s be real: Debt is debt, no matter what you call it. With an Income Share Agreement (ISA), students agree to hand over a percentage of their future salary to the school in exchange for partial funding of tuition and housing.<\/p>\n<p>Here\u2019s the catch: ISAs are often pushed on students who already have federal loans\u2014so it\u2019s just debt stacked on top of debt. And because the payments are tied to your income, the more money you make after graduation, the more you\u2019ll have to pay back. That can leave you stuck making payments for years, and in many cases, you\u2019ll shell out more than you would have with a traditional loan.<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<div>\n<div id=\"should-i-apply-for-forgiveness\">\n<p><h2><strong>Should I Apply for Student Loan Forgiveness?<\/strong><\/h2>\n<\/p>\n<p>By now, you\u2019ve probably figured out that student loan forgiveness isn\u2019t exactly a ticket to freedom. You have to jump through a lot of eligibility hoops, and the last thing you want to do is stay in a low-paying job for 10 years in the hope your loans will be forgiven, only to realize later you did all that work for\u00a0<em>nothing<\/em>. Especially when you could\u2019ve paid off your student loan debt in half the time (and saved a ton of money in interest)!<\/p>\n<p>But should you apply for student loan forgiveness anyway? Here\u2019s our advice: If you\u2019ve already put in the hours at an approved job and made the required payments (or you\u2019re super close), and you think applying for forgiveness will help you come out ahead\u2014go ahead and apply.<\/p>\n<p>Otherwise, if you\u2019re just now thinking about starting down the forgiveness path after years of paused payments, don\u2019t. And don\u2019t count on a student loan settlement either\u2014those are rare and often come with strings attached. Policies change. Life changes. Waiting on the government to solve your problem isn\u2019t a strategy\u2014but taking control and attacking your debt is.<\/p>\n<p><h2><strong>The Alternative to Student Loan Forgiveness<\/strong><\/h2>\n<\/p>\n<p>Instead of counting\u00a0on the government to take care of things, it\u2019s time to\u00a0take control of your student loans\u00a0yourself. Here\u2019s the best way to\u00a0pay off your student loan debt fast!<\/p>\n<h3><strong>1. Change your mindset.<\/strong><\/h3>\n<p>Here\u2019s the deal: You can\u2019t just stick to the standard loan repayment plan and expect to ever get ahead of your student loans. It\u2019s a system designed to keep you in debt longer, paying way more in interest. And you\u2019ve got to get angry about that!<\/p>\n<p>If you really want your student loans gone\u2014as in, no more payments robbing your bank account and your sanity every month\u2014it\u2019s time to get serious about paying them off. When you decide that you\u2019re sick and tired of student loan debt weighing you down, you\u2019re more likely to take matters into your own hands and get them out of your life for good.<\/p>\n<h3><strong>2. Get on a budget.<\/strong><\/h3>\n<p>During the COVID-19 payment pause, a lot of graduates got used to not having that $200 student loan payment hit their bank account every month. But those days are over\u2014federal student loan payments (and interest) are back.<\/p>\n<p>When those payments start eating up your paycheck, it can feel hard to cover your basic needs, let alone make progress on your debt. But when you\u00a0create a budget\u00a0and start telling your money where to go before the month begins, you\u2019ll feel like you\u2019ve gotten a raise. Suddenly, you\u2019re seeing exactly how much more you can throw at that monthly payment\u2014and how much sooner you can be out of debt.<\/p>\n<p>If you&#8217;re new to budgeting, the\u00a0EveryDollar app\u00a0is the best place to get started. It makes setting up your first budget super simple!\u00a0<\/p>\n<h3><strong>3. Use the debt snowball.<\/strong><\/h3>\n<p>The debt snowball is the\u00a0fastest way to pay off debt, especially if you\u2019ve got multiple student loans or other debt (like car payments and credit card bills). You start by paying minimum payments on all your debt, except your smallest balance\u2014that\u2019s the one you\u2019re going to throw all your energy into wiping out.<\/p>\n<p>Once that smallest debt is gone, you take that minimum payment (and anything extra you can come up with) and put it toward the second-smallest balance. Pretty soon, you\u2019re gaining momentum and making more progress than you ever thought possible\u2014like a snowball rolling downhill. Keep going until\u00a0<em>all<\/em>\u00a0your debt is gone.<\/p>\n<p>The success rate of people who use this method is\u00a0<em>way\u00a0<\/em>higher than those who apply for student loan forgiveness.<\/p>\n<p>\u00a0<\/p>\n<\/div><\/div>\n<div>\n<h3><strong>4. Increase your monthly payment.<\/strong><\/h3>\n<p>Okay, so how exactly do you get the extra dollars to throw at your debt snowball? Well, you can boost your student loan payments in a ton of different ways.<\/p>\n<p>You could\u00a0pick up a side hustle\u00a0(like delivering food or driving with Uber), take on extra hours at work if possible, or sell stuff (it\u2019s the perfect excuse to clear some clutter). You can also\u00a0cut back on spending\u00a0and use the savings to fuel your loan payoff. Figure out what works for you and your lifestyle\u2014just do\u00a0<em>something<\/em>. And remember, you only have to hustle until you\u2019re debt-free. You\u2019ve got this!<\/p>\n<h2><strong>The Bottom Line<\/strong><\/h2>\n<p>You just got a ton of info in a very short amount of time, so don\u2019t be afraid to reread the sections that apply to you and give yourself a minute for all this new knowledge to set in. Once you\u2019ve gotten a handle on everything, you\u2019ll be in good shape to get rid of your student loans.<\/p>\n<p>When you have the right game plan and the motivation to attack your student loan debt, you\u2019re ready to win! And you shouldn\u2019t have to wait a decade to get your life back. You\u2019ve got what it takes to\u00a0get rid of your student loans\u00a0<em>now<\/em>.<\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/debt\/student-loan-forgiveness\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Remember when you were first trying to figure out life after high school? People were expecting you to make all these life-altering decisions\u2014like what college to go to, what major to choose, and what dream job to chase after. Somewhere along the way, you were probably sold the idea of taking out student loans. But<\/p>\n","protected":false},"author":1,"featured_media":24443,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24442","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should I Apply for Student Loan Forgiveness? | IncrediPros<\/title>\n<meta name=\"description\" content=\"Remember when you were first trying to figure out life after high school? 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