Forgiveness Articles
11 articles on forgiveness. Browse the full blog index or jump to another topic below.
Teacher Loan Forgiveness: Up to $17,500 Explained
Teacher Loan Forgiveness pays up to $17,500 toward certain federal loans after five complete consecutive years at a low-income school. Here is who qualifies, which loans count, and how it compares with PSLF.
Student Loan Discharge vs Forgiveness: What to Know
Discharge cancels student debt because something went wrong, not because you earned relief through a program. Here are the discharge paths, from death and disability to a closed school, and how each differs from forgiveness.
Automatic IDR Recertification: How IRS Consent Works
Automatic recertification lets the Department of Education pull your tax data each year so your income-driven payment resets without you filing anything. Here is how consent works, when it helps, and when it leaves you on your own.
IDR Recertification: What Documents You Need (2026)
Recertifying an income-driven plan means proving your income and family size. Here are the documents you need, the two ways to submit them, and the mistakes that stall an application in the queue.
SAVE Is Gone: Which Repayment Plan Should You Pick?
SAVE was struck down and no longer takes applications. Here is the 2026 lineup of federal plans and how to choose the one that fits your loans, income, and PSLF goal.
Parent PLUS Loans: Your 2026 Repayment Options
Parent PLUS loans have fewer repayment doors than most federal debt. Here are the 2026 paths, including the consolidation window that still opens ICR and IBR, and what changed after July 1, 2026.
Income-Based Repayment (IBR): The Plan That Survived 2026
IBR is the one legacy income-driven plan still open to borrowers with older loans after the 2026 overhaul. Here is how it works, who qualifies, and how to apply.
IBR Forgiveness: 20 or 25 Years? What You Pay
Which IBR forgiveness clock you are on was settled by whether a balance was outstanding on July 1, 2014. We ran both tracks on the same loan, including the tax bill that now arrives with the discharge.
IDR Recertification Date: How to Find Yours (2026)
There is no single 2026 IDR recertification date. Yours is rolling, and it lives on StudentAid.gov under My Aid. Here is where to find it and what missing it costs.
PSLF in 2026: How to Count Your Qualifying Payments
Public Service Loan Forgiveness still requires 120 qualifying payments, but the list of qualifying repayment plans changed in 2026. Here is what counts, what does not, and how to fix a payment count that is wrong.
Income-Driven Repayment 2026: IBR, RAP, No More SAVE
SAVE is gone, ICR and PAYE are sunsetting, and the new Repayment Assistance Plan changes how payments are calculated. Here is the 2026 income-driven repayment lineup and how to choose a plan.