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Loan Forgiveness Options
This section explains loan forgiveness options for teachers and all other school staff. Teachers may apply for any of the programs listed below if the balance of their unpaid federal student loans exceeds the forgiveness amount and if they meet the requirements of the program. Private loans are not eligible. If you are not sure what type of loan you have, contact your lender.
Loan forgiveness options for teachers only are as follows:
You must have a federal Perkins loan to be eligible for loan forgiveness. You can start the loan forgiveness process at the beginning of your first eligible year of teaching service. You must contact the university that provided the loan.
Loan forgiveness options for all education staff including non-teachers are the following:
If you are a special education teacher, you must have an official at the public or other nonprofit elementary or secondary school certify that you are teaching handicapped or learning disabled students. Do this either on the federal Perkins loan postponement and cancellation form or on an official letter from the school bearing the school's seal or letterhead. For loans made by the Perkins loan program on or after July 23, 1992, this cancellation includes special education teachers.
If you provide one of the following services, you qualify as a teacher only if:
- you are licensed, certified, or registered by the appropriate state education agency for the area you provide related special educational services for,
- and the services you provide are part of the educational curriculum for handicapped children:
- speech and language pathology and audiology;
- physical therapy;
- occupational therapy
- psychological and counseling services
- recreational therapy
For more information on Student Loan Forgiveness please visit TEA website at https://tea.texas.gov/texas-educators/educator-initiatives-and-performance/student-loan-forgiveness-for-teachers
