Educator Loan Relief Insider

Federal loans eligible for Total and Permanent Disability discharge include Direct Loans, FFELP, Perkins, Stafford, PLUS loans, and consolidation...

Educators with commercially held FFEL loans at Sloan face a clear tradeoff after July 1, 2026.

• Stay at Sloan on IBR: Retains 15% income-driven...

• Higher monthly bills hit now: SAVE borrowers are being auto-shifted to Standard or Tiered Standard repayment this month, often increasing payments...

Refinancing federal loans to private can eliminate PSLF eligibility after 120 qualifying payments, making it a massive mistake for K-12 educators pursuing forgiveness. Only consider it after confirming no forgiveness path remains.

Newly hired NYC Public Schools occupational and physical therapists can access up to $24,000 in repayment grants via the Jose P. Loan Forgiveness...

RAP payments follow clear AGI tiers, yet a calculator result never confirms eligibility, servicer rules, PSLF credit, or forgiveness.

• AGI ≤...

MOHELA handles only billing, payments, and account support as a contracted servicer, while the Department of Education now makes all PSLF and IDR...

The best free option to stop federal student loan wage garnishment is contacting the U.S. Department of Education's collections agency directly and requesting an income-based repayment plan or discharge.

The temporary federal tax exclusion for canceled student debt expired after 2025, making IDR forgiveness taxable as ordinary income starting in...

Maryland's new program delivers educators a 0% interest secondary loan covering 5% of the mortgage for down payments and closing costs, with no...

• Senators seek full accounting of the $1 billion fund, including the first $216 million spent on servicers, staff, and the ED-Treasury transfer
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K-12 teachers and staff relying on IDR forgiveness face a key distinction: balances discharged in 2026+ trigger taxable cancellation-of-debt income...

• At $40k AGI, RAP runs $100/month versus Standard's fixed $681, easing cash flow for many educators.
• Standard stays locked at $681 regardless of...

The Public Service Loan Forgiveness Inclusion Act of 2026 would let payments under graduated, extended, and tiered standard plans count toward...

Massachusetts' Early Childhood Educator Loan Repayment Program provides up to $7,500 annually to eligible workers. The $1.8 million rollout prioritizes experienced staff serving high-need families or childcare shortage areas.

New York AG warns scammers are exploiting confusion from the elimination of the SAVE plan and income-based repayment options.

Key red flags to...

The Department of Education has quietly updated PSLF Buyback guidance to bar borrowers in the new Repayment Assistance Plan from making up months...

Key requirements for Teacher Loan Forgiveness from Guilford County Schools guidance:

• Service rule: Full-time teaching for five complete and...

纽约州总检察长警告：骗子利用还款计划变更混乱，诱骗借款人支付前期费用或快速减免贷款。

防骗核查清单：

• 拒绝前期费用：联邦项目不收入门费，纽约法律禁止此类收费
• 警惕快速承诺：承诺短期全额减免或“太好不真实”的广告均为骗局
• 不签授权书：正规项目无需借款人签署授权委托书
• 拒绝紧急施压：勿因“限时行动”而匆忙决定
• 保护登录凭证：教育部及服务商绝不会索要FSA账号密码

发现可疑行为立即向州检察长办公室举报。

The May 2025 revised Justice Department attestation form keeps the 2022 three-part undue hardship framework intact for federal student loans.

• Loan...