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FASFA Loan Forgiveness

Daniel Morgan

Updated – Jan 6th 2020

Fasfa loan forgiveness, or more commonly referred to as, federal student loan forgiveness program is something some people are not aware if its existence .

In fact, fasfa loan forgiveness or federal student loan forgiveness is very real and obtainable for certain individuals with certain federal student loan types.

Also, alternatives to loan forgiveness for students in other situations could be to cancel student loans or even the discharge of your student loans.

Department of Education student loan forgiveness is issued by the federal government. Only federal student loans have the potential to qualify for forgiveness.

Private student loans are not eligible for student loan forgiveness through the federal government and Dept of Education.

Direct Subsidized, Direct Unsubsidized, Federal Family Education Loans (FFEL) and Direct Consolidation Loans are eligible for student loan forgiveness. So, these are the loan types you want to see if you have.

Let’s take a look at the different options one could qualify for, for forgiveness of their student loans.

Public Servant Loan Forgiveness


Employees of the federal government and of a non-profit organization may be able to get a student forgiveness loan program.

Qualified borrowers of the Public Service Loan Forgiveness or (PSLF) Program will have the remaining balance of their Direct Loans forgiven after having made 120 qualifying monthly payments.

All while under a qualified repayment plan and working full time for a qualified employer.

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How to Qualify for Student Loan Forgiveness

Public service loan forgiveness is based on who your employer is rather than your job description, task or title. This is your first and basic qualification for fasfa loan forgiveness

Here is a small list of the core types of qualifying organizations for public service loan forgiveness:

  1. Non-profit organizations that are tax-exempt under Section 501(c)(3) of the Internal Revenue Code
  2. Any Government organization of any level (federal, state or local)
  3. Other types of non-profit organizations that provide certain types of qualifying public services
  4. Full time service in with the Peace Corps or AmeriCorps


Now take note of the types of employers that do not qualify. However, commonly thought to be qualified types of employment.  

  • For-Profit Organizations
  • Political Organizations
  • Labor Unions
  • Non-profit organizations that are not tax-exempt under Section 501(c)(3) of the Internal Revenue Code and that do not provide a qualifying service

Qualifying Loan Types for Public Service Loan Forgiveness (PLSF Forgiveness)

Any student loan received under the William D. Ford Act and Direct Loan Program is a qualifying loan for public servant loan forgiveness.

If you have loans issued to you under a different program such as Federal Family Education Loans or (FFEL) or under the Federal Perkins Loan Program, these loans are not qualified for PSLF forgiveness.

However, if you consolidate your Federal Family Education Loan (FFEL) or Federal Perkins Loan into a Direct Consolidation Loan they will become available and will qualify for Public Service Loan Forgiveness.

What to considered as a qualified monthly payment?

Payments made after October 1, 2007 qualify as recognized payments for fasfa loan forgiveness.

Your monthly payment must be under a qualifying repayment plan, generally qualified repayment plans for PSLF forgiveness is within the income driven repayment section.

Monthly payment must be on less than the required full minimum payment shown on your billing invoice.

Your monthly payment must not be delinquent, this means you must make your monthly payment no later than fifteen days after the payment due date.

Payments made during these periods will not be considered as a qualifying payment for PSLF.

  • Loans in default status
  • Loans that being pay by way of involuntary wage garnishment
  • Payments made while In-School Status
  • Payments made during the Grace Period
  • While in a Deferment of student loan payments
  • While in a Forbearance of student loan payments

Your 120 qualifying monthly payments do not even have to be consecutive.

Need your monthly payments reduced?

Fine out if you can get total loan forgiveness!


Student Loan Forgiveness – Teachers

There are two different types of student loan forgiveness programs for teachers:

  1. Teacher Loan Forgiveness
  2. Teacher Cancellation Forgiveness

What are the basic qualifications?

How to qualify for fasfa loan forgiveness?

A qualified borrower would need to teach full-time for at least five years or more consecutively. Also, borrower must actively teach in specific elementary, secondary and educational services agencies that serve in low income communities and meet additional qualifications.

Which loans qualify?

The qualified loan types for teacher loan forgiveness is

  • Direct Subsidized Loans
  • Direct Unsubsidized Loans
  • Federal Subsidized Stafford Loans
  • Federal Unsubsidized Stafford Loans
  • Direct Consolidation Loans

Parent PLUS loans do not qualify unless they are consolidated into a new Direct Loan.

Teacher loan forgiveness requirements

  • Must not be in default on your student loans, however in good standing
  • Must not have an outstanding balance on or before Oct 1, 1998
  • Loans must have been made before the end of your five years of teaching
  • Must have been employed for the full five years on full time employment and must be in consecutive years. And at least one of those years must be after the year of 1997-1998
  • Must be employed in a school district that qualifies for Title I Funding

General Student Loan Forgiveness

This student forgiveness loan program is for borrowers that consolidate their student loans in a federal student loan consolidation program.

But, are not qualified because of Public Service Loan Forgiveness or does not operate out of the profession of teaching.

Borrowers that enter into an income driven repayment plan will receive general student loan forgiveness after 300 months of making monthly payments.

Furthermore, with certain income driven plans a borrower can qualify for student loan forgiveness after 240 months.

Borrowers must have federal student loans to qualify for general student loan forgiveness.

How to apply for student loan forgiveness

Also, How do I get Started with the Student Loan Forgiveness Program?

If you are interest in fasfa loan forgiveness programs, probably the best thing to do is to consult with a student loan professional,

Professional assistance is a good option for learning what direction would be best for you in your pursue of how to qualify for student loan forgiveness programs. Because the reality is all of these student loan forgiveness programs have standards and specific requirements.

Find out all you need to know rather than wasting your time reaching for something you may not have the requirements met for.

Therefore, if you believe there is any chance that you are meeting all the requirements plus fall into the laws and regulations to obtain student loan forgiveness then definitely go for it.

Keep in mind freedom from paying on your student loans could open the door for much more access to other goal financial goals and desires.

Truly, It is possible to get a federal student loan forgiveness program, or as some refer to as a fasfa loan forgiveness. While sometimes all you just have to do is reach for it.