10+ Student Loan Forgiveness Programs That Discharge Loans

Federal student loan borrowers could be eligible for forgiveness under multiple circumstances.
Anna HelhoskiJun 16, 2021

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Student loan forgiveness might seem too good to be true, but there are legitimate ways to get it through free government programs.

The following options are available only to borrowers with . Some programs have very specific requirements that make them difficult to qualify for, but income-driven repayment plans are open to most borrowers.


The information below is about existing student loan forgiveness programs. Learn more about the potential for

You’re not eligible for federal student loan forgiveness programs if you have private loans, but there are other .

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There are a few additional niche student loan forgiveness or payment assistance programs you may qualify for through federal or state programs. Eligibility in these programs depends on your profession and where you work.

Legitimate federal forgiveness, cancellation and discharge programs are free through the Department of Education, but there are other costs to consider.

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