Teacher Loan Forgiveness in Michigan
Short answer: Teachers in Michigan can use the federal Teacher Loan Forgiveness program: up to $5,000, or up to $17,500 for highly qualified math, science, or special education teachers, after five complete and consecutive academic years of full-time teaching at a qualifying low-income school or educational service agency listed in ED's TCLI Directory. Public-school teachers in Michigan may also qualify for PSLF.
Last verified November 5, 2026 · PSLFCheck Editorial
Federal program overview
| Up to $5,000 | Up to $17,500 | |
|---|---|---|
| Who | Highly qualified full-time elementary or secondary teachers | Highly qualified full-time secondary math or science teachers, or special education teachers |
| Service | 5 complete, consecutive academic years at a low-income school or educational service agency (at least one year after 1997–98) | |
| Loans | Direct Loans and FFEL Stafford loans (not PLUS) | |
Find qualifying Michigan schools
Look up your school in the official Teacher Cancellation Low Income (TCLI) Directory, choose Michigan and each school year you taught.
State programs in Michigan
Some states offer their own teacher loan repayment or incentive programs. Rules, amounts and funding change often, so we don't list them here — check the Michigan state department of education or higher-education agency for current programs.
PSLF for Michigan teachers
Public schools are government employers, so full-time teachers may qualify for PSLF after 120 qualifying payments. See PSLF in Michigan and search Michigan employers.
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FAQ
How much is Teacher Loan Forgiveness in Michigan?
Federal Teacher Loan Forgiveness is up to $5,000, or up to $17,500 for highly qualified full-time math, science, or special education teachers, after five complete and consecutive academic years at a qualifying low-income school or educational service agency.
How do I find low-income schools in Michigan?
Use the U.S. Department of Education's Teacher Cancellation Low Income (TCLI) Directory on studentaid.gov and select Michigan for the relevant school years.
Can I get Teacher Loan Forgiveness and PSLF?
Yes, but the same period of service cannot count for both. Many public-school teachers compare both paths before applying.
Does Michigan have its own teacher loan repayment program?
Some states run their own teacher loan repayment or service-scholarship programs, and rules and funding change. Check the Michigan state department of education or higher-education agency for current programs.
Sources
- Teacher Loan Forgiveness — studentaid.gov — accessed November 5, 2026
- 34 CFR 685.217 — Teacher loan forgiveness (eCFR) — accessed November 5, 2026
- Teacher Cancellation Low Income (TCLI) Directory — studentaid.gov — accessed November 5, 2026
- Teacher Loan Forgiveness — studentaid.gov — accessed November 5, 2026
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