Secret Paths and One-Off Relief for K-12 Educators

Perkins cancellation, TCLI directory checks, TEPSLF, the FFEL IDR adjustment, state programs, FTC Holder Rule claims, borrower defense, Sweet-settlement relief, disability discharge, and bankruptcy remain important niche routes. New tax guidance reinforces that ordinary 2026 IDR forgiveness may be taxable while PSLF and TLF generally remain tax-free; FTC distributions, contradictory NYCPS notices, New Jersey's $20,000 window, Massachusetts awards, and automatic TPD matching require monitoring.