Education & Exams / Student Finance
Student Loan Forgiveness Estimator
Loan Details
Income & Family Size
Forgiveness Program
Forgiveness Programs Guide
PSLF Requirements:
- Work for government or 501(c)(3) nonprofit
- Make 120 qualifying payments (10 years)
- Have Direct Loans (consolidate if needed)
- Be on income-driven repayment plan
- Submit Employment Certification Form annually
IDR Forgiveness:
- Any employer qualifies
- 20 years for undergraduate loans
- 25 years for graduate loans
- Tax-free forgiveness as of 2021
Teacher Forgiveness:
- Teach 5 consecutive years at low-income school
- Up to $17,500 for math/science teachers
- Up to $5,000 for other teachers
- Cannot combine with PSLF for same period
Important: This is an estimate. Actual forgiveness depends on maintaining eligibility, submitting required forms, and program rules. Consult your loan servicer for personalized guidance.