贷款宽恕
公共服务贷款减免（PSLF）计划
The Public Service 贷款宽恕 (PSLF) program is intended to encourage individuals to enter and or continue to work full time in certain public service jobs. Borrowers may qualify for forgiveness on the remaining balance on Direct 贷款 after one has made 120 qualifying payments on those loans while employed full time by certain public employers. Payments made while enrolled in school do not count as part of the 120 qualifying payments. 贷款 that are eligible for forgiveness under the PSLF program include loans from the Direct Loan Program, 联邦家庭教育贷款（FFEL）计划, 和联邦帕金斯贷款也符合条件.
贷款 that are a part of 联邦家庭教育贷款（FFEL）计划 as well as Federal Perkins 贷款 are only eligible for Public Service 贷款宽恕 if they are consolidated into a Direct Consolidation Loan. 然而, only the payments made to the new Direct Consolidation Loan will count towards the 120 qualifying repayments for the program. Payments made prior to consolidation will not count towards qualifying PSLF payments. Also if one made qualifying payments on a Direct Loan and then consolidated it, one must make 120 qualifying payments on the new Direct Consolidation Loan.
Teacher 贷款宽恕 and Cancellation Program
The Teacher 贷款宽恕 Program is intended to encourage individuals to enter and continue in the teaching profession. Borrowers dependent upon their eligibility may receive loan forgiveness based off of their teaching occupation. 贷款 that are eligible for forgiveness under the Teacher 贷款宽恕 program include Direct Subsidized and Unsubsidized loans and Subsidized and Unsubsidized Federal Stafford 贷款. Direct Parent PLUS 贷款 are not eligible for this type of forgiveness. If the qualifications for eligibility are met one may be eligible for up to a combined total of $17,500美元的宽恕.
The Teacher Loan Cancellation Program is only applicable to Federal Perkins 贷款. Up to 100 percent of the loan may be cancelled dependent upon if one meets the eligibility requirements. One can 应用 for cancellation by requesting the appropriate forms and information from the office that administered the Federal Perkins Loan and from there it is the school’s responsibility to determine whether or not one qualifies for cancellation.
资格
- Must not have had an outstanding balance on Direct 贷款 or Federal Family Education Loan (FFEL) Program loans as of October 1, 1998, or on the date that one obtained a Direct Loan or FFEL Program loan after October 1, 1998
- 如果一个人拖欠补贴贷款, borrowers are not eligible for forgiveness of that loan unless one has made satisfactory repayment arrangements with the holder of the defaulted loan
- The loan(s) for which one is seeking forgiveness must have been made before the end of one’s five academic years of qualifying teaching service
- Any time a borrower spends teaching to receive benefits through AmeriCorps cannot be counted toward one’s required five years of teaching for the Teacher 贷款宽恕 Program
- A borrower must have been employed as a full time teacher for five complete and consecutive academic years, and at least one of those years must have been after the 1997-1998 academic year
- One must be employed in an elementary school or secondary school that:
- is in a school district that qualifies for funds under Title I of the Elementary and Secondary Education Act of 1965, 修订的
- 已被美国政府选中.S. Department of Education based on a determination that more than 30 percent of the school’s total enrollment is made up of children who qualify for services provided under Title I
- is listed in the Annual 目录 of Designated Low-Income Schools for Teacher Cancellation Benefits
- if this directory is not available before May 1st of any year, 可以使用上一年度的目录
- If one’s school meets the above requirements for at least one year of a borrower’s teaching service, but does not meet these requirements during subsequent years, one’s subsequent years of teaching at the school may be counted toward the required five complete and consecutive academic years of teaching
How to have your Federal Student 贷款 Forgiven, Cancelled, or Discharged
了解更多的方法来获得KU体育 Federal Student 贷款 Forgiven, Canceled or Discharged.