Student Loan Forgiveness Programs by Career Field . 20 year student loan forgiveness


In 2019, the Federally-funded Non Profit Student Loan Forgiveness Program remains widely accessible for employees of all 501(c)(3) organizations, as well as for others not traditionally considered “non profit” employees.

In fact, the Public Service Loan Forgiveness Program (PSLF) – which is the official name of the student loan debt forgiveness program for nonprofit workers – remains the absolute best Federal Student Loan Forgiveness Program on offer, as it provides complete loan forgiveness after making just 10 years of monthly payments, while also allows you to avoid paying taxes on the debt you have forgiven!

To receive loan forgiveness at the 10 year mark, all you need to do is work for a qualifying non profit organization – any 501(c)(3) will count – for at least 30 hours per week, and make your monthly student loan payments in-full, on-time, and under one of the excellent Income-Based Student Loan Repayment Plans.

While President Trump at one time proposed eliminating PSLF entirely, this proposal was shot down immediately, and I see no signs that the Non-Profit Forgiveness program will be removed at any point in the near future.

How Does Non Profit Loan Forgiveness Work

Those borrowers with excessive, unbearable levels of Federal student loan debt are going to have a significantly tougher time getting out from under it.

How Do I Actually Apply For Loan Forgiveness

I can finally offer advice on this topic, because the official Public Service Loan Forgiveness Application form has FINALLY gone live, and you can find it right here.

The form requires all sorts of information about your loans, your employment, your income, etc., and you’ll need to fill it out in full, and accurately, in order to be considered for receiving non-profit loan forgiveness benefits.

Make absolutely certain that you fill out each field completely, and accurately, because ANY MISTAKES could invalidate your eligibility to receive forgiveness benefits, and the worst part about the process is that it could take months to head back from the Department of Education on the status of your application, so you do NOT want to screw this up!

This is one of the only reasons why I recommend that my visitors hire a service like the Student Loan Relief Helpline to help them fill out all the certification documents and other paperwork… as making a mistake on these docs could mean waiting another several months or even years to get your loans wiped out, costing you a ton of money for a simple, stupid mistake!

If you want to make sure that you are doing everything correctly, then don’t be afraid to call the Student Loan Relief Helpline for assistance. You will have to pay for their service, but if the few hundred dollars you pay them ensures your paperwork is complete, and gets you access to tens of thousands of dollars in loan forgiveness benefits, then you’re really not wasting money, right

You can reach the Student Loan Relief Helpline by calling 1-888-906-3065.

Will I Owe Taxes on the Forgiven Debt

Unlike most other forms of student loan forgiveness, the Non-Profit Forgiveness benefits offered under PSLF are NOT taxable, and will NOT require you to claim the amount of debt you have forgiven as “taxable income” on your IRS returns, and that’s a big deal.

Why Because the forgiveness benefits that do lead to tax liabilities can end up costing people thousands or even tens of thousands of dollars.

How If you receive forgiveness of a $100,000 loan under a different forgiveness benefit plan, the IRS forces you to add that $100,000 of forgiveness to your tax return as income!

Which means that you’d be forced to pay taxes on that $100,000 which got forgiven, at the same rate you pay for regular income (for most Americans, that’s 25% – 35%), meaning you’d owe $25,000 – $35,000!

And unlike your monthly student loan payments, which are stretched out over time so that you only have to pay a small amount of money each month, IRS tax bills are due all at once, meaning you’d have to come up with that money in a single go.

That’s no easy task, and it’s why so many people end up in big trouble with the IRS.

Get Tax Help at Forget Tax Debt!

If you’re struggling with tax-related problems, I’ve got good news – my new site Forget Tax Debt was created specifically for you!

Like Forget Student Loan Debt, this new site offers information about dealing with IRS debt, covering topics like Getting Free Help Filing and Paying Back Taxes, applying for IRS Tax Debt Forgiveness Programs, Settling with the IRS, signing up for the IRS Fresh Start Program, and avoiding IRS Phone Scams.

Forget Tax Debt is new, but I’m building it out to be the best site on the web for tax-related problems, and like this site, I’m offering all my advice, information and resources entirely for free, so if you’re struggling with any sort of IRS issue, please be sure to visit Forget Tax Debt here.

What if I Have Other Student Loan Questions

This site was built to help people deal with their student debt, and I’ve created helpful, comprehensive Guides for just about any topic you can possibly imagine.

If you need Help with Federal Student Debt, you’ll want to check out pages on Federal Student Loan Forgiveness Benefits, Federal Student Loan Bankruptcy Discharges, Federal Student Loan Delinquencies, The Federal Student Loan Rehabilitation Program, and Federal Student Loan Wage Garnishments.

And if you need Help with Private Student Debt, you’ll want to check out my pages on Private Student Loan Forgiveness Programs, Private Student Loan Consolidation Options, Private Student Loan Bankruptcy Discharges and Private Student Loan Default Help.

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Is Student Loan Forgiveness Worth It -

Advertiser Disclosure

Student loan forgiveness might seem too good to be true, but there are legitimate ways to get it through free government programs.

The following options are available only to borrowers with federal student loans. Some programs have very specific requirements that make them difficult to qualify for, but income-driven repayment plans are open to most borrowers.

» MORE: How to get loan forgiveness through borrower defense to repayment

You’re not eligible for federal student loan forgiveness programs if you have private loans, but there are other strategies for managing private loan debt.

Student loan forgiveness programs

Income-driven repayment forgiveness The federal government offers four main income-driven repayment plans, which allow you to cap your loan payments at a percentage of your monthly income. When enrolled in one of these plans, your remaining loan balance will be eligible for forgiveness after 20 or 25 years, depending on the plan. These plans are most beneficial for those with large loan balances relative to their income.

» MORE: Income-based repayment: Is it right for you

Public Service Loan Forgiveness Public Service Loan Forgiveness is available to government and qualifying nonprofit employees with federal student loans. Eligible borrowers can have their remaining loan balance forgiven tax-free after making 120 qualifying loan payments. In order to benefit from PSLF, you’ll need to make payments while enrolled in an income-driven repayment plan. Otherwise, on a standard repayment plan, the loan would be paid off before you’re eligible to benefit from forgiveness.

» MORE: How to get Public Service Loan Forgiveness.

Teachers employed full time in low-income public elementary or secondary schools may be eligible for forgiveness after working for five consecutive years. They can have up to $17,500 in federal direct or Stafford loans forgiven. To qualify, teachers must have taken out loans after Oct. 1, 1998.

» MORE: How teachers can get student loan forgiveness

Student loan forgiveness for nurses Nurses shouldering student debt have several options for student loan forgiveness: Public Service Loan Forgiveness, Perkins loan cancellation, and the NURSE Corps Loan Repayment Program, which pays up to 85% of qualified nurses’ unpaid college debt. Public Service Loan Forgiveness may be the mostly likely option for most nurses — few borrowers have Perkins loans, and the NURSE Corps program is highly competitive.

» MORE: 3 student loan forgiveness options for nurses

Obama student loan forgiveness There’s no such thing as “Obama student loan forgiveness.” However, some student “debt relief” companies use it as a catch-all term for free federal programs — which they charge to enroll borrowers in. If you encounter a company offering “Obama student loan forgiveness,” consider it a red flag. Enrolling in federal programs like income-based repayment and federal student loan consolidation is free to do on your own through the Department of Education.

» MORE: Steer clear of ‘Obama student loan forgiveness’

Other student loan forgiveness programs There are a few additional niche student loan forgiveness or payment assistance programs you may qualify for through federal or state programs. Eligibility in these programs depends on your profession and where you work bi weekly loan calculator

The Complete List of Student Loan Forgiveness Programs and .

Students attended graduation at the City College of New York last year. The federal Education Department has raised the possibility that students’ acceptance into a loan forgiveness program could be rescinded.CreditCreditSpencer Platt/Getty Images

More than 550,000 people have signed up for a federal program that promises to repay their remaining student loans after they work 10 years in a public service job.

But now, some of those workers are left to wonder if the government will hold up its end of the bargain — or leave them stuck with thousands of dollars in debt that they thought would be eliminated.

In a legal filing submitted last week, the Education Department suggested that borrowers could not rely on the program’s administrator to say accurately whether they qualify for debt forgiveness. The thousands of approval letters that have been sent by the administrator, FedLoan Servicing, are not binding and can be rescinded at any time, the agency said.

The filing adds to questions and concerns about the program just as the first potential beneficiaries reach the end of their 10-year commitment — and the clocks start ticking on the remainder of their debts.

Four borrowers and the American Bar Association have filed a suit in United States District Court in Washington against the department.

The plaintiffs held jobs that they initially were told qualified them for debt forgiveness, only to later have that decision reversed — with no evident way to appeal, they say. The suit seeks to have their eligibility for the forgiveness program restored.

“It’s been really perplexing,” said Jamie Rudert, one of the plaintiffs. “I’ve never gotten a straight answer or an explanation from FedLoan about what happened, and the Department of Education isn’t willing to provide any information.”

The forgiveness program offers major benefits for borrowers, advocates say, to the point of persuading some people to take public service jobs instead of more lucrative work in the private sector. The program generally covers people with federal student loans who work for 10 years at a government or nonprofit organization, a diverse group that includes public school employees, museum workers, doctors at public hospitals and firefighters. The federal government approved the program in 2007 in a sweeping, bipartisan bill.

About 25 percent of the nation’s work force may qualify for the program, the Consumer Financial Protection Bureau estimated. Eligibility is based on a borrower’s employer and whether it meets the program’s rules, not on the specific work an applicant does.

On its website, the Education Department directs borrowers who believe their employer qualifies to submit a certification form to FedLoan. If the form is approved, the Education Department transfers the borrower’s loans to FedLoan, which collects payments and tracks the borrower’s progress toward the 120 qualifying monthly payments they must make before the remaining balances will be forgiven.

Only a small fraction of the millions of workers who might qualify for the program have begun the process of using it. Fewer than 553,000 borrowers have submitted at least one certification form to FedLoan and received its approval, according to Education Department data. Borrowers are encouraged to submit a new certification form each year.

But some of those approved borrowers might get bad news because it is unclear whether the certifications are valid.

Mr. Rudert submitted the certification form in 2012 and received a letter from FedLoan affirming that his work as a lawyer at Vietnam Veterans of America, a nonprofit aid group, qualified him for the forgiveness program. But in 2016, after submitting his latest annual recertification note to FedLoan, he got a denial note.

The decision was retroactive, he was told. None of his previous work for the group would be considered valid for the loan forgiveness program.

What changed Mr. Rudert said he did not know. After filing a complaint with the Consumer Financial Protection Bureau, he received a reply from FedLoan saying that his application “had initially been approved in error.” He has not been told what the error was, and has not found any way to appeal the decision.

Mr. Rudert and the American Bar Association filed their suit in December, alleging that the Education Department acted “arbitrarily and capriciously” in making its decisions about which employers qualified.

Last week, the department filed a reply that said that FedLoan’s responses to borrowers’ certification forms cannot be trusted.

A FedLoan approval letter “does not reflect a final agency action on the borrower’s qualifications” for the forgiveness program, the department wrote.

The idea that approvals can be reversed at any time, with no explanation, is chilling for borrowers. Mr. Rudert, who graduated from law school owing nearly $135,000 on student loans, said he would have picked a different employer if he had known that his work at Vietnam Veterans of America would not qualify.

A FedLoan spokesman would not comment on the case, referring questions to the Department of Education. A department spokesman also declined to comment on the suit or on any of the issues it raised, including whether any mechanism exists for borrowers to challenge a denial.

That lack of transparency has been a hallmark of the forgiveness program, said Natalia Abrams, the executive director of Student Debt Crisis, an advocacy group.

The program’s rules are complex. Only certain types of federal loans qualify, meaning that many borrowers need to restructure their debt to make it eligible — and the Education Department has done little to clarify gray areas, Ms. Abrams said.

No borrowers’ debts have been eliminated. Because 10 years of service are required, the first wave of qualified workers will be eligible to submit applications for debt forgiveness in October.

At that point, others whose certifications were approved by FedLoan could discover that the Education Department has a different position. Some employers clearly qualify — the definition of a “government organization” is fairly straightforward — but the rules for certain nonprofit organizations are harder to interpret.

“It’s kind of a no man’s land,” Ms. Abrams said. “We don’t know how this will pan out.”

Linda Klein, president of the American Bar Association, called the department’s response “illogical, untenable and bewildering.” An unreliable certification system “exposes those undertaking public service work — exactly what Congress intended them to do — to crippling financial risk,” she said.

Mr. Rudert left Vietnam Veterans of America in 2015 and now works at Paralyzed Veterans of America, helping former service members appeal denied applications for disability benefits.

The work is almost identical to what he did in his former job, Mr. Rudert said. Last year, FedLoan approved his certification request and deemed Paralyzed Veterans of America a qualified employer.

A version of this article appears in print on , on Page B1 of the New York edition with the headline: U.S. Promises to Clear Debt for Students May Be False usda loans ga Order Reprints | Today’s Paper | Subscribe

2019 Guide to Non-Profit Student Loan Forgiveness PSLF .

In 2007, Congress created the Public Service Loan Forgiveness (PSLF) program. The program is intended to remove the student loan debt of low-salaried public service employees after 10 years. (There is also a similar program for teachers of low-income students, called Teacher Loan Forgiveness.)

To qualify for PSLF’s public service requirement, public service is defined as “employment with a federal, state, or local government agency” or “a not-for-profit organization that has been designated as tax-exempt…under Section 501(c)(3).”

There is also a list of services which, if your for-profit employer offers, can also qualify your employment as public service. The list is essentially public health, education, or law enforcement, but a complete list is in Federal Student Aid’s documentation on the subject.

Your particular job at the company does not matter, merely that you are a fulltime employee (minimum of 30 hours).

Meeting the employment requirement for loan forgiveness is as simple as submitting an Employment Certification Form to Federal Student Aid. They will likely ask for documentation of your employment along with the form, such as a W2, or may contact your employer to confirm your employment.

If the salary of your last tax return is significantly different from the salary you are likely to make (as will be the case for most recent graduates), then you may be required to submit a pay stub to show justification for your approximate income for that tax year.

To qualify for PSLF’s partial financial hardship requirement, you must qualify for and use an income-driven repayment plan for your student loans. You might think that you can’t qualify for financial hardship, but many well-paid families are eligible.

There are three Income-Driven Repayment Plans available: Income-Based Repayment (IBR), Pay As You Earn, and Income-Contingent Repayment (ICR). If you can, you should strive to qualify for Pay As You Earn because it will have the largest benefit.

Although no disbursement requirements exist for ICR, to qualify for IBR or Pay As You Earn, you must have had no outstanding balance with Federal Student Aid on October 1, 2007 and have received a disbursement of a Direct Loan on or after October 1, 2011.

All of these plans are intended for families experiencing a “partial financial hardship” due to student loan payments. Partial hardship is defined as having to pay more than a specific percentage of your monthly “discretionary income” in monthly student loan payments. That percentage is 10% under Pay As You Earn, 15% under IBR, and 20% under ICR.

Discretionary income is the difference between your adjusted-gross income (AGI) and 150% of the poverty guideline for your family size and state of residence.

In the 48 contiguous states, the 2015 poverty guideline is $11,770 for a single person and $15,930 for a married couple. Thus, discretionary income would be AGI minus $17,655 for single and $23,895 for married (150% of the poverty line).

If your AGI puts you at or below the poverty line, then your AGI minus the poverty line would be $0, and your required payments would be $0. If your required scheduled monthly payment is zero, the months where you “paid” zero will count toward the 120 qualifying payments for PSLF, assuming that you are employed fulltime at a qualifying job.

In the same way, all months of full payments, including $0 payments, count towards the repayment period of your loan.

Standard repayment plans cannot be forgiven though for two reasons. First, they only require 120 payments, making it impossible to make 120 qualifying payments and have money due at the end. Second, you are always required to make the minimum payment, so there is no chance that if you are in good standing there will be any loan left at the end of the 10 years.

That being said, if you are currently using a standard repayment plan while employed fulltime with a public service employer, then your payments to the standard repayment plan count towards your 120 payments. However, you must switch to an Income-Driven Repayment plan in order to qualify for and benefit from any form of loan forgiveness.

Furthermore, as their FAQs say, “although you must have a partial financial hardship to initially qualify for IBR and Pay As You Earn, you may remain in the IBR or Pay As You Earn Plan even if you are later determined to no longer have a partial financial hardship” and “your monthly payments will count toward the required 120 payments for PSLF.”

Even if you don’t work for a PSLF qualifying employer, you can still get your student loan forgiven if you qualify for an Income-Driven Repayment plan and owe money after the repayment period is done. The maximum repayment periods are 25 years for ICR and 20 years for IBR and Pay As You Earn.

This means that if you can, you should apply for an income-driven repayment as soon as possible after graduation to increase your chances of receiving student loan forgiveness years later.

Although the partial hardship sounds limiting, you have more control over your AGI than you might think.

To push this program to its limits, imagine a recent graduate age 22 named Susan who is working fulltime for a large a 501(c)(3) non-profit. She is earning $44,505.00, a high-end starting salary.

According to the repayment plan, her discretionary income would be $26,850 ($44,505.00 – $17,655) or $2,237.50 monthly. If she did nothing else and qualified for Pay As You Earn, her monthly payment would be reduced to $223.75 dollars.

With $25,000 of loans at 6.8%, she previously had a standard monthly payment of $287.70, so this would be a step in the right direction. Paying anything less than full monthly payment means that something could be forgiven in 10 years. Furthermore, even if her loan was never forgiven, as we showed in “How Quickly Should I Pay My Student Loans,” paying less and investing the difference is the best plan for developing wealth.

With a bit of focus though, she can reduce her monthly payment $0. The trick is by reducing her AGI.

In the AGI formula, traditional IRA, traditional employer-sponsored retirement plan, and Health Savings Account (HSA) contributions are all subtracted from wages.

This means that if Susan funds her traditional IRA to its maximum ($5,500), her employer’s 403(b) to its maximum ($18,000), and her HSA to its maximum ($3,350), her AGI would be $17,655 [$44,505.00 – ($5,500 $18,000 $3,350)] or exactly 150% of the single poverty line.

Thus, her discretionary income would be $0 and her required payments would be $0.

Filing the paperwork annually to continue to confirm her qualified employment and $0 qualified payment would mean that after 10 years (120 $0 payments), she would be able to finally submit the paperwork to acquire PSLF loan forgiveness.

To do this paperwork, she merely needs to save her proof of employment with a qualified public service employer and proof of qualified payment for those 10 years. On top of having her student loan completely forgiven without spending a penny, she would have contributed $235,000 to her retirement and $33,500 to her HSA by age 32.

If these amounts were regularly invested and earning 9%, during the ten years her total savings would have grown to $513,928 and she still would have qualified to pay nothing and have her student loan completely forgiven.

For a married couple, there is even more potential. A married couple earning $77,545 collectively can reduce their AGI to $23,895.00 and thus their discretionary income to $0 through their traditional IRA contributions, employer-sponsored retirement plans, and HSA contributions ($11,000; $36,000; and $6,650 in total respectively).

At the end of 10 years earning 9%, a married couple’s investments might grow to $1,027,857 and they could still pay nothing and have all their student loans forgiven.

That PSLF favors public employees and nonprofits is unfair, but if you can qualify for loan forgiveness you should take advantage of the offer.

There is no morality to the use of government regulations. If you can qualify to receive government largess, take the money. There is no hypocrisy in playing by the rules and then voting your representative out of office for having supported the legislation that created them.

Photo used here under Flickr Creative Commons mortgage loan amortization calculator

Student Loan Payment Calculator - Student Debt Relief

The following is a guest post by Cary McCall.  While reading a post at One In Jesus I saw Cary made a comment about debt forgiveness for ministers.  I asked him to explain more and he sent me this post.  I read it and even got permission from the website owner, Jay Guin to use this post that he also has on his website.  If you have any questions either Cary or I could try and answer them in the comments.

One of the most burdensome financial obligations faced by many young ministers is an increasing student debt load. The rising cost of higher education is forcing many to rely heavily on financial aid, both for undergraduate and graduate educations. This is compounded for ministers who have sought education at private Christian universities, some of which have tuitions surpassing $700 (or more) per credit hour. The Master of Divinity, the most common ministry degree for preachers, is 84 hours. Although some schools help with scholarships and grants, most students end up with significant amounts of debt.

Most churches try to offer reasonable living wages to their ministers, but with heavy debt obligations, many ministers still struggle to keep things under control financially. Many ministers have no choice but to take on second jobs or rely on spouses to make up the difference in needed family income.

However, as of July 2009, many ministers now have a way to substantially reduce, and in some cases eliminate, the burden of their student loan debt. This is made possible by taking advantage of two programs now offered by the Federal Government: Income-Based Repayment and Public Service Debt Forgiveness.

About Public Service Student Loan Debt Forgiveness and Income-Based Repayment

Public Service Debt Forgiveness is part of the federal College Cost Reduction and Access Act of 2007. This program discharges the remaining principal and interest after 10 years of monthly payments on loans serviced through the Direct Loans program of the Department of Education and applies to those who work in any number of public service fields. By law, this includes employees of all non-profit 501(c)(3) organizations, which includes the vast majority of ministers. However, Public Service Debt Forgiveness is only of limited value by itself because standard repayment plans have debts completely paid off in ten years. The only option for reducing actual payment amounts before the end of ten years was the Income Contingent Repayment plan.

Income-Based Repayment is a new payment plan made available on July 1, 2009. This plan, combined with Public Service Debt Forgiveness, is what produces the most value for most ministers. Income-Based Repayment introduces an entirely new formula for calculating monthly payments based largely on Adjusted Gross Income (taxable income), marital status, and family size. Ministers gain a distinct advantage in these calculations in that significant portions of income are not included in most ministers’ Adjusted Gross Income. A married minister (filing separately) with two children, a $50,000 per year income with $17,000 in housing and other allowances, and a balance of $35,000 will most likely have his monthly payment reduced to zero under Income-Based Repayment. Assuming ten more years of work in ministry, his entire balance will have been covered by the federal government.

Qualifying for Student Loan Debt Forgiveness and Income-Based Repayment

Loans qualifying for both Public Service Debt Forgiveness and Income-Based Repayment must be serviced by the William D. Ford Direct Loans program through the Department of Education. However, loans serviced through other providers may be consolidated into the Direct Loans program for free at any time so long as they are Federal Family Education Loans (usually subsidized and unsubsidized Stafford, Perkins, SLS, or Grad PLUS loans).

Once loans are consolidated into and serviced by the Direct Loans program, the borrower may enter the application process for Income-Based Repayment. After 120 monthly payments under the Direct Loans program while employed in a qualifying public service position, the borrower may apply for Public Service Debt Forgiveness.

How Do I Have My Student Loan Debt Forgiven

The consolidation and payment plan enrollment process is relatively simple, although it can take up to several months to complete.

Step 1: If you are a minister employed by a church that is officially registered as a 501(c)(3) non-profit organization If yes, ask yourself if you truly believe that you will work in ministry for the next ten years. If yes, continue.

Step 2: Determine if your current loans are eligible for consolidation into the Direct Loans program. Any kind of Stafford, Perkins, SLS, or Grad PLUS loan counts.

Step 3: Determine if Income-Based Repayment plan will benefit you. Use this calculator at to determine if it will lower your current monthly payment.

Step 4: Consolidate loans into the Direct Loans Servicing Center by initiating the process at . This can take several weeks, and up to two months in some cases.

Step 5: Enroll in the Income-Based Repayment Plan through the Direct Loans Servicing Center.

Step 6: Make 120 of your new monthly payments.

Step 7: Apply for Public Service Debt Forgiveness.

Additional Information Regarding Non-Profit Workers Student Loan Debt Forgiveness

I work as a campus minister with a student debt load of approximately $32,000, the vast majority of that amount coming from two years of graduate seminary. Under the standard repayment plan I was enrolled in with Sallie Mae (a popular loan servicer), I was paying almost $400 per month. The IBR plan with my current Adjusted Gross Income – even as a single minister with no family – has produced a new monthly payment of zero. It looks likely that this payment amount will continue into the future, and will be all but guaranteed if I become married and start a family.

Resources For Further Research on Debt Forgiveness

Editor’s Note: In some follow-up discussion with Jay and Cary it seems like your church should have 501(c)(3) status for you to be eligible.  If you plan to follow this strategy it is recommended that you check the 501(c)(3) status of your church.  If they do not have 501(c)(3) status then they can apply for it for the cost of $850 plus legal fees federal perkins loan program

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