Pay off any outstanding loans from the Direct Loan or Federal Family Education Loan Program (FFELP) made on or after October 1, 1998.
Set up the loans you are planning to forgive before the end your fifth year of qualifying teaching service.
Work as a full-time teacher for a full five consecutive academic school years. One of the qualifying years has to have taken place after the 1997-1998 academic school year.
Work at a non-profit elementary or secondary school. The school can be public or private so long as it is non-profit and services low-income students.
Fill out the Teacher Loan Forgiveness Application. Turn in the application to the Chief Administrative Officer at your school to fill out the certification section of the application.