Find out if you qualify for a loan forgiveness program. Under some circumstances, you may have student loan forgiveness if you become permanently disabled since the last time you attended college. It will require that you were diagnosed as disabled and that your physician does not expect a full recovery or the ability to earn income. A statement must be signed by a doctor. Volunteers for VISTA and the Peace Corps may have a student loan forgiveness depending on the term of their commitment and hours of service. Military service, medical graduates, law students, and teachers in disadvantaged or rural areas may also qualify for loan forgiveness.
Determine what types of loans you received for your education. If you received a Direct Loan program, you may need to convert them in order to qualify.
Find out how many monthly payments you have made since October 1, 2007. Most federal loan forgiveness programs will require that you make 120 payments or it be 10 years from the date your loans were provided in order to be forgiven.
Contact your student loan forgiveness in order to request their application. Lenders often have different applications for the loan forgiveness program. For most loan programs, you will need to provide proof of income, a letter from your employer or proof that you are in military service, and information such as loan numbers, dates of your education, and other pertinent information.