Secret Paths and One-Off Waivers for K-12 Teachers

Niche forgiveness routes include Perkins Loan cancellation (up to 100% over 5 years for qualified teachers), TEPSLF for Graduated/Extended plan history, TCLI low-income school directory requirements, state programs (e.g., NJ Teacher Loan Redemption up to $20k), and the FFEL IDR adjustment window. The Marquette University Perkins reference page is a key evergreen resource. Real-world servicer error resolution stories (e.g., Reddit payment count review success) and the new MOHELA glitch reinforce the importance of documenting and challenging mistakes via CFPB and FSA Ombudsman.