Student Loan Forgiveness Programs (2026 Edition)
The federal student loan system changed on July 1, 2026. With updated income-driven repayment formulas and revised forgiveness timelines, it is crucial to understand your eligibility. Use this hub to explore every federal forgiveness program available today.
Start Here: Find Your Path to Forgiveness
Answer a few questions to see which federal forgiveness programs you may qualify for.
Get StartedTrack your qualifying payments and estimate your final forgiveness date.
Get StartedUnderstand how the 2026 rules affect your long-term income-driven forgiveness.
Get StartedPublic Service Loan Forgiveness (PSLF)
PSLF forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.
A complete overview of the PSLF program and the latest regulatory updates.
Read GuideLearn exactly which government and non-profit jobs qualify for the program.
Read GuideUnderstand what counts as a qualifying payment under the new 2026 rules.
Read GuideIDR Forgiveness
Income-Driven Repayment (IDR) plans offer forgiveness on your remaining balance after 20 or 25 years of qualifying payments. The 2026 updates changed how these timelines are calculated.
See how the July 2026 overhaul impacts your long-term forgiveness timeline.
Learn MoreUnderstand how your monthly payment is calculated under the updated rules.
Learn MoreCalculate your monthly payment and projected forgiveness amount.
Learn MoreSpecial Forgiveness Programs
In certain situations, you may be eligible to have your federal student loans discharged entirely outside of standard repayment plans.
Relief for borrowers who are totally and permanently disabled.
Read GuideOptions if your school closed while you were enrolled or shortly after.
Read GuideDischarge options if your school misled you or engaged in misconduct.
Read GuideTools to Help You Qualify for Forgiveness
Quickly determine which federal forgiveness programs apply to your situation.
Launch ToolCalculate how many qualifying payments you have left until full forgiveness.
Launch ToolSee your projected monthly payments and total forgiven amount under IDR.
Launch ToolWhy Trust This Forgiveness Hub?
All forgiveness program information is sourced directly from:
We update this hub whenever federal rules change, ensuring accuracy and clarity for borrowers navigating the 2026 system.