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Loan Cancellation Resources

Lists links to other teacher loan cancellation locations.

Full-time classroom teachers that have taught at low income schools for five consecutive years may be eligible for reductions to their student loan balances through the federal Teacher Loan Forgiveness Program. The California Department of Education (CDE) is responsible for compiling the list of California low income schools that is provided in the online directory of eligible schools by the U.S. Department of Education. The CDE uses student eligibility for Free and Reduced Price Meals (FRPM), part of the National School Lunch Program, as its measure of low income. For a school to be eligible, over 30 percent of its age 5 through 17 enrollment must be FRPM eligible, and the school must be part of a school district that is at least eligible to receive Title I funding. NOTE: direct funded charter schools, private non-profit schools, or educational service agencies must also have at least 30 age 5 through 17 FRPM eligible pupils in lieu of Title I eligibility. Current year FRPM data is used to determine a school’s eligibility for the following school year.

Contact the student loan holder for specific questions regarding eligibility for teacher loan forgiveness. The CDE does not process teacher loan forgiveness applications.

California's schools eligible for the Teacher Loan Forgiveness Program are listed in the federal online directory of eligible schools External link opens in new window or tab. for each school year beginning 1997–98. Search the directory to confirm whether a school is eligible for each year taught there. Either the school or the location field may be left blank. Note that the Location field is the school district name, not the city where the school is located. If a school cannot be found, confirm that the appropriate name is being used. Search using a brief form of the school name. The more generic name that is used either for the school name or location (school district) name, the greater the possibility of a successful search. Additional search help is available on the directory Web site. Support for this Web site is provided by the federal Campus-Based Call Center, toll free at 1-877-801-7168, or by e-mail at

This Private Non-Profit or Other Non-Public School template serves as a CDE application for Private Non-profit, or Other Non-public School Types, to be designated as a low income school that is eligible to participate in the Teacher Loan Forgiveness Program. This is used to determine their eligibility for inclusion on the federal low income directory. This annual data is necessary for these types of schools to establish low income status, since these data are not automatically collected by the CDE from these types of schools.

Search for the official name of a California school or school district in the CDE's California School Directory.

For specific rules of the Teacher Loan Forgiveness Program, review the current Teacher Loan Forgiveness Application forms External link opens in new window or tab. (PDF). After five consecutive years of full-time classroom teaching at a low income school, or schools, the teacher can fill in the teacher portion of the application and give it to their school to complete the employment verification. If there was more than one low income school in the five year span, a separate application is required for each school. Once the school(s) returns the application to the teacher, the application(s) is then forwarded to the teacher’s lending institution (i.e., loan servicer). The lending institution then proceeds with the review and approval process.

Forgiveness, Cancellation, and Discharge External link opens in new window or tab.

Teacher Loan Forgiveness and Cancellation External link opens in new window or tab.

Loan Servicers External link opens in new window or tab.

Deferment and Forbearance External link opens in new window or tab.

U.S. Department of Education Office of Postsecondary Education--Teacher Shortage Areas External link opens in new window or tab.

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Last Reviewed: Thursday, August 17, 2023
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