Federal student loan forgiveness has been politically turbulent. Here's what actually exists in 2026.
Public Service Loan Forgiveness (PSLF)
Still alive and operational. 10 years (120 qualifying payments) of full-time work at a government or 501(c)(3) non-profit, on an income-driven plan, wipes your remaining federal loan balance tax-free. Key: use the PSLF Help Tool to certify employment annually.
Income-Driven Repayment (IDR)
After 20-25 years of payments on IBR, PAYE, or SAVE (if still active), remaining balance is forgiven — but taxable as income in the year of forgiveness. Plan for the tax bomb.
Teacher Loan Forgiveness
Up to $17,500 forgiven for highly-qualified math/science/special-ed teachers after 5 consecutive years in low-income schools.
State-specific programs
California, New York, Texas, and others offer forgiveness for specific professions (healthcare, rural services, government). Check your state's education agency.
What to do today
Use our Student Loan Calculator to run scenarios: standard 10-year vs IDR vs PSLF projected payoff.