Student loan forgiveness eligibility checker

In 60 seconds: answer four questions to see which federal forgiveness paths may fit you — PSLF, Teacher Loan Forgiveness, or RAP/IDR forgiveness — in plain English. Runs in your browser. No SSN, FSA ID, or account numbers.

How we decide

• PSLF: government, military, or 501(c)(3) employer + Direct Loans (FFEL/Perkins only after consolidation) + qualifying plan + 120 payments. Requirements.
• Teacher Loan Forgiveness: 5 consecutive years at a low-income school; up to $5,000 or $17,500. Details.
• RAP/IDR: remaining balance forgiven after 360 RAP payments or 20–25 years on IBR. What is RAP.

Results are general eligibility signals, not a determination and not a guarantee. Only the U.S. Department of Education and your servicer decide. Official sources: studentaid.gov forgiveness & cancellation · PSLF · Teacher Loan Forgiveness · IDR application.

Last verified: November 5, 2026

Disclaimer: Not affiliated with the U.S. Department of Education or any loan servicer. Educational information, not financial or legal advice. Results are estimates. Confirm with studentaid.gov or your servicer. Published by PSLFCheck Editorial, AK Digital Marketing LLC.