September 16, 2021

How Do I Apply for Student Loan Forgiveness?


Teachers, students, nurses, and other public service employees can apply for student loan forgiveness. Although these programs aren’t instant debt solutions, they could help eliminate a significant portion of your balance over time.

According to the U.S. Department of Education’s Office of Federal Student Aid, those who have been approved for student loan forgiveness no longer have to make payments on their loans.

However, there are several types of student loan forgiveness programs available today. If you’ve been asking “How do I apply for student loan forgiveness?” then you should know about the different types and how you can apply for the one you need.

Public Service Loan Forgiveness (PSLF)

A PSLF helps people in public service jobs get part or all of their loans forgiven through specific types of volunteer work, medical practice, or military service.

To apply for public service loan forgiveness, you need to submit an employment certification form for each year or as you change jobs. FedLoan Servicing is in charge of reviewing your information and will let you know if you are qualified.

Forgiveness with Income-Based Repayment (IBR)

You can still apply for student loan forgiveness even if you don’t work in a public service position. These federal income-driven repayment plans were created to help graduates with their student loans — especially those who have a hard time making payments.

The repayment plans with loan forgiveness are:

  • Income-based repayment (IBR)
  • Income-contingent repayment (ICR)
  • Pay as you earn (PAYE) and revised pay as you earn (REPAYE)

To apply for either of these plans, you need to head over to the website and submit an application there. It’s also possible to acquire an application form through your loan servicer.

However, you’ll be required to provide certain documentation such as a tax return and proof of income upon request.

Federal Perkins Loan Cancellation

Those who have taken out a federal Perkins Loan to pay for their education could qualify and apply for student loan forgiveness. The Perkins Loan cancellation program typically erases a specific percentage of student debt after each year of service. Eventually, debtors can get as much as 100% of their loan canceled.

Qualified recipients of Perkins Loan forgiveness should have the said loan and need to have worked in a qualifying profession. Although the eligibility requirements vary based on profession, they usually involve having to work in high-need areas.

To apply for Perkins Loan forgiveness, you’ll need to speak with your loan service as well as your school’s financial aid office on how to go about it.

Student Loan Forgiveness for Teachers

Teachers can also apply for student loan forgiveness through various repayment assistance programs. The amount of debt to be forgiven depends on what subject they teach.

Educators with at least five years of teaching experience can apply for loan forgiveness by completing the Teacher Loan Forgiveness application.


There are various types of student loan forgiveness programs today. Depending on your status, you may qualify and apply for partial or total cancellation for your student loans.

The tips provided above should help clarify which student loan forgiveness program is applicable for you and how you can apply for the one you need. Get started with Chipper today to find out if you qualify for forgiveness!

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.

Don't worry.
Be Chipper.
Get Started