February 2, 2022

Can I Apply For Another Student Loan Forgiveness Program If I Have Already Received Forgiveness?


In terms of college, all sources of financial aid should be considered by students. Scholarships and grants are always the most popular type of financial help because they don't have to be repaid and are considered "free money." Even with federal grants and scholarships, most students will have a gap in their college funds that would necessitate a student loan in some form or another.

To cover the cost of higher education, the majority of college students take out student loans. According to the Student Loan Debt Statistics conducted by educationdata.org, approximately 42.9 million Americans owe an average of $37,105 on their federal student loans.

Fortunately, the Student Loan Forgiveness Programs were established by the federal government as a reaction to the ongoing student loan repayment crisis that affected millions of borrowers. If the criteria are matched and requirements are met, qualified borrowers who receive student loan forgiveness are freed from the responsibility to repay a portion or even all of their federal student loan debt.

What Are the Common Student Loan Forgiveness Programs?

Student loan forgiveness programs aren't a quick fix for your debt problems, but they can help you pay down some or all of your debt over time. There are a variety of options for student loan forgiveness but each has its own set of requirements and application process.

Here are a few of the most popular types of student loan forgiveness programs:

  • Public Service Loan Forgiveness
  • Teacher Loan Forgiveness
  • Temporary Expanded Public Service Loan Forgiveness
  • Closed School Discharge
  • Military Student Loan Forgiveness and Assistance
  • Total and Permanent Disability Discharge

How Many Times Can I Apply for a Student Loan Forgiveness Program?

Even though there are numerous student loan forgiveness programs accessible to borrowers, you are only allowed to apply for one forgiveness program at a time. In other words, you can't be enrolled in more than one forgiveness program at the same time.

Can I Apply for a Student Loan Forgiveness Program Twice?

All student loan forgiveness programs only offer a one-time reward. After a student loan forgiveness program has ended, you can't apply for the same forgiveness program again to pay off your debt, even if you've met the conditions for that program.

Whatever benefit you get from that specific program, even if it is only a portion of your debt that was paid off, you can’t reapply for the same program to get the same benefit again.

Can I Apply For Another Student Loan Forgiveness Program If I Have Already Received Forgiveness?

If you've received forgiveness from a certain student loan forgiveness program, you won't be able to apply for the same one again. However, with meeting certain criteria, there are other forgiveness programs for which you can apply even if you have already received forgiveness.

For example, the Teacher Loan Forgiveness Program provides financial assistance to qualified teachers who serve in low-income schools or educational institutions. However, the Teacher Loan Forgiveness Program only forgives a portion of your student loan.

If you’re a teacher for a non-profit organization or government agency, you may be eligible for the Public Service Loan Forgiveness (PSLF). Therefore, even after receiving the Teacher Loan Forgiveness, you can apply for the PSLF program to pay off the remaining balance of your student loan.

Use Chipper for Lower Payments

Chipper can help you find a student loan repayment plan that actually fits into your budget. You simply fill out your information and link your student loan account for us to generate your options in seconds. We help the average student loan borrower save over $300 a month off their student loan monthly payment. Lowering your monthly payment plan can game changing for your personal finance and can be done in minutes! Sign up for Chipper today to get on track with your student loans.

Use Chipper for The Best Path to Forgiveness

Finding your path to student loan forgiveness is easier than ever before. Chipper helps members find better Income-Driven Repayment (IDR) plans every day. Once enrolled in an eligible repayment plan, we can help you explore your forgiveness options and understand your path towards forgiveness. Sign up with Chipper today and get on track with your student loans.

Use Chipper for Round-Ups

Paying off your student loans doesn’t have to be a long and painful journey. Round-Ups are a way to directly pay off your loans with your everyday spending! By tracking your linked spending account(s), we will calculate the rounded up amount from each transaction in a week (IE spending $4.28 would add $0.72 to the weekly amount). We then initiate a payment towards your student loan for the weekly amount. Get chipping away on your student loans with Chipper today.

Use Chipper for Public Service Loan Forgiveness (PSLF)

The Public Service Loan Forgiveness (PSLF) program was created to provide relief to borrowers aiding the public sector. Unfortunately, 30% of applicants are denied due to incorrect paperwork. We can help! Chipper was created to solve this issue by assisting borrowers in understanding their options as well as allowing forgiveness eligible users enroll into the best forgiveness program available. Sign up for Chipper today to see your student loan forgiveness options and get the forgiveness you deserve.

Use Chipper for Teacher Loan Forgiveness (TLF)

The Teacher Loan Forgiveness (TLF) program was created to enable teachers working in Title 1 schools to receive student loan forgiveness of up to $17,500 (depending on their teaching subject). Chipper has helped teachers from all over the country qualify for TLF program and can help you get the forgiveness you deserve today. Find out if you qualify for forgiveness in minutes with our employer search tool.

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