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Teacher Loan Forgiveness

Overview

There are two types of Federal Loan Forgiveness programs intended to encourage individuals to enter and continue in the teaching profession. Further information and eligibility requirements are available on the US Department of Education website.

Teacher Loan Forgiveness is directed to teachers who have Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans. You must be teaching full-time for five (5) complete consecutive years at an eligible school, and at least one of those years must have been after the 1997-98 school year. Certain highly qualified special education or secondary math or science teachers can qualify for up to 17,500 in forgiveness. Other eligible teachers can qualify for up to 5,000. You apply for your teacher loan forgiveness after you have completed the five-year teaching requirement. 

For more information, visit Teacher Loan Forgiveness.

Teacher Cancellation is for Federal Perkins Loans.  One may qualify for cancellation (discharge) up to 100% of a Federal Perkins Loan if you have taught for one (1) full academic year at full-time in a public or non-public elementary or secondary school. The loan is cancelled in the following increments:

  • 15% cancelled for the first and second year of service
  • 20% cancelled for the third and fourth year of service 
  • 30%cancelled for the fifth year of service 

For more information, visit Teacher Cancellation.

School Eligibility

The only role of CDE in this Federal Program is to maintain the Teacher Cancellation Low Income Directory (TCLI).  Teachers can search for their school in this directory to determine if it qualifies as low income.  If the school is eligible, the teacher can contact their loan provider to identify the necessary steps to determine eligibility for Federal Program Loan Forgiveness. Teachers should NOT contact CDE.

To search school eligibility, visit Teacher Cancellation Low Income Directory (TLCI).

Process for Determining School Eligibility

Public and Non-Public Schools that participate in the National School Food Lunch Program:

A list of eligible schools is compiled once a year using Free and Reduced Lunch Program data collected at October Count.  Schools on the Free and Reduced list in Title I districts for grades K-12 are eligible to be in the directory. CDE will automatically add eligible schools to the Teacher Cancellation Low Income Directory (TCLI) each year. The directory is updated for the current School Year by June.

Criteria to be included in the TCLI Directory:

  • School must be a public or other nonprofit elementary or secondary school. "Elementary school" or "secondary school" means a public or nonprofit non-public school that provides elementary education or secondary education (K-12 grade only) as determined by state law (or by the U.S. Department of Education if the school is not in a state).
  • School must be in a public Local Educational Agency (LEA) that is eligible each year for assistance under Title I of the Elementary and Secondary Education Act of 1965 (ESEA).
  • The number of children enrolled in a school who are counted under Section 1124© of the ESEA (federal definition of poverty) must exceed 30 percent of the total enrollment of that school (K-12 enrollment only).
  • Pre-Kindergarten Programs are not eligible.

Public and Non-Public Schools that do not participate in the National School Food Lunch Program:

Public Schools not participating in National School Lunch Program (NSLP) may be eligible by completing the School Eligibility Application Form if the school meets the above criteria.  If the submitted application is deemed eligible, the school will be added to the Teacher Cancellation Low Income Directory (TCLI).

Non-Public Schools(only eligible for Teacher Cancellation) not participating in National School Lunch Program (NSLP) may be eligible by completing the School Eligibility Application Form as long as the school meets the following criteria. If the submitted application is deemed eligible, the school will be added to the Teacher Cancellation Low Income Directory(TCLI).

School Eligibility Application Form

Criteria to be included in the TCLI Directory:

  • School must be a nonprofit elementary or secondary school. "Elementary school" or "secondary school" means a nonprofit non-public school that provides elementary education or secondary education (K-12 grade only) as determined by state law (or by the U.S. Department of Education if the school is not in a state).  If it is not on CDE’s list of Non-Public Schools, IRS documentation is required.
  • Student attending the Non-Public School must be coming from a home District or Local Educational Agency (LEA) that is eligible each year for assistance under Title I of the Elementary and Secondary Education Act of 1965 (ESEA).
  • The number of children enrolled in the school who are counted under Section 1124 of the ESEA (federal definition of poverty) must exceed 30 percent of the total enrollment of that school (K-12 enrollment only).
  • Pre-Kindergarten Programs are not eligible.
  • For Non-Public Schools only- School must be on the CDE non-profit school list or submit documentation from the IRS demonstrating non-profit status. 

For Additional Information Contact:

Shelby Schaefer
303-866-6998
Send an email

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