Student Loan Forgiveness Programs

In certain cases, the federal government will cancel all or part of an educational loan. This practice is called Loan Forgiveness. Here are some programs out there and how to access them.

A. Perform volunteer work

These volunteer groups offer loan forgiveness:

  • AmeriCorps. Serve for 12 months and receive up to $7400 in stipends plus $4725 to be used towards your loan.
  • Peace Corps. Volunteers may apply for deferment of Stafford, Perkins and Consolidation loans and partial repeal of Perkins Loans (15% for each year of service, up to 70% in total). Volunteers make a real difference in the lives of real people with two years of service in more than 70 developing countries.
  • Volunteers in Service to America (VISTA). Volunteer with private, non-profit groups that help wipe out hunger, homelessness, poverty and illiteracy. Provide 1700 hours of service and receive $4725.

B. Perform military service

  • Students who are in the Army National Guard may be suitable for their Student Loan Repayment Program, which offers up to $10,000.
    • Note: The military and veterans' groups offer many scholarships and tuition assistance programs. See the section on Military Aid at or the Education Section at for details.

C. Teach in certain types of communities

  • Students who become full-time teachers in an elementary or secondary school that serves students from low-income families can have a part of their Stafford or PLUS loans forgiven under The National Defense Education Act. This program forgives up to $17,500 of the remaining loan balance.
  • The American Federation of Teachers maintains a list of other loan forgiveness programs for teachers.

D. Legal or medical studies

E. Meet other traits specified by Federal government loan forgiveness programs


This data was adapted for the Kansas Legal Services public from For more info on loans, visit

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