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Teacher Loan Forgiveness Program

The purpose of the Teacher Loan Forgiveness Program is to encourage individuals to enter and continue in the teaching profession.

To qualify for the Teacher Loan Forgiveness Program:

  • Your existing loans must have been disbursed after 10/1/98 and any loan disbursed on or before 10/1/98 must have been brought to a $0 balance before the existing loans were disbursed.
    • For consolidation loans, all of the underlying loans must have been disbursed after 10/1/98.
  • You must teach full-time for 5 consecutive complete academic years at a Title I school that appears on the Department of Education's Teacher Cancellation Low Income Directory (TCLI).
    • The school must be eligible for at least the first year of your 5 qualifying years of service. If the school loses its eligibility, the remaining teaching service will still be counted toward your total.

If you're employed by a government or nonprofit organization, you may be eligible for the Public Service Loan Forgiveness (PSLF) Program. The PSLF Program forgives the remaining balance on your Direct Loans after you've made the equivalent of 120 qualifying monthly payments under an accepted repayment plan.

All federal loans serviced by AES are commercially held Federal Family Education Loan Program (FFELP) Loans; however, you could benefit if your FFELP Loans serviced by AES are consolidated into a Direct Consolidation Loan.

Learn more about the PSLF program

If you consolidate your loans by June 30, 2024, you can take advantage of the limited-time opportunity of one-time adjustments to payment counts under the Income-Driven Repayment and PSLF programs. For more information, please visit

How to Apply

  1. Sign in to Account Access and go to Manage Repayment/Loan Forgiveness to complete the Teacher Loan Forgiveness form.
  2. Mail or fax your completed application and any required documentation to:

    American Education Services
    Attn: Teacher Loan Forgiveness
    P.O. Box 2461
    Harrisburg, PA 17105-2461

    Fax: 717-720-3916

If you need assistance completing this application, call us at 1-800-233-0557 or email us.

Teacher Loan Forgiveness Forbearance

A Teacher Loan Forgiveness Forbearance can be requested while you are completing the 5 years of teaching service at an eligible Title I school. The forbearance will be applied in 1-year increments, so you must reapply annually.

To qualify:

  • Your loans must be eligible for the Teacher Loan Forgiveness program.
  • The school where you are performing your qualifying service must appear on the TCLI website.
  • The anticipated forgiveness amount will satisfy your anticipated outstanding loan balance (including interest) at the time you complete the qualifying period of teaching service.

Sign in to Account Access to apply online.