How to Apply for Student Loan Forgiveness

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Determine if you are eligible for student loan forgiveness.

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Generally, eligibility is based on factors such as employment in certain public service fields, disability, or completion of a qualifying repayment plan.

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Choose a loan forgiveness program that you qualify for, such as the Public Service Loan Forgiveness (PSLF) program, Teacher Loan Forgiveness, or Disability Discharge.

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Review the program's eligibility requirements and gather any required documentation.

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Submit your application for loan forgiveness through your loan servicer or the federal government, depending on the program.

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Wait for a response from your loan servicer or the government regarding your application. This process may take several months.

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Continue making payments on your student loans until you receive confirmation that your loans have been forgiven.

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Keep accurate records of all correspondence and paperwork related to your loan forgiveness application.

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