The eligibility requirements are as follows:

The eligibility requirements are as follows:

Borrowed after 1998: To be eligible for this program, you must not have had a balance on a Direct or FFEL loan on October 1, 1998, or on the date that you obtained a loan after October 1, 1998.

Default: If you are in default on any of your loans, you must have made satisfactory arrangements to repay your loan with the loan holder to qualify for this program.

Borrowing time frame: Your loan must have been made before the end of your five academic years of teaching to be eligible for forgiveness.

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False Certification of Student Eligibility or Unauthorized Payment Discharge

False Certification of Student Eligibility or Unauthorized Payment Discharge
If you meet one of the following four qualifications, your loan may qualify for discharge.
Ability to Benefit: If your school falsely certified that you were able to benefit from the training it provides, you may be eligible for a discharge from your student loan responsibilities.

If you did not receive a high school diploma or GED, the school must certify that you can benefit from the education it provides. False certification of ability to benefit can occur when a school fails to test your ability to benefit from its training.

Unauthorized Signature or Unauthorized Payment: If the school signed your name on the application or promissory note without your authorization, it endorsed your loan check, or signed your authorization for electronic funds transfer without your knowledge, you may be eligible for a discharge, unless the funds that were signed for were delivered to you or applied to charges owed by you to the school.

Identity Theft: If your loan was falsely certified because you were the victim of identity theft, your loan may be eligible for discharge.

Filing for bankruptcy does not automatically mean that

Filing for bankruptcy does not automatically mean that your student loans will be discharged – you must prove to the bankruptcy court that repaying your loans will cause you or your dependents “undue hardship.” After filing Chapter 7 or Chapter 13 bankruptcy, this will be determined in an adversary proceeding in bankruptcy court. This means that your creditors may be present to challenge your assertion of undue hardship.

There are three ways to show that you are totally and permanently disabled:

There are three ways to show that you are totally and permanently disabled:
Veterans: If you are a veteran who has experienced a service-connected disability, you can prove your disability by submitting documentation from the U.S. Department of Veterans Affairs (VA) that shows that the VA has determined that you are unemployable due the service-connected disability.

Social Security Disability Insurance: If you are currently receiving Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits, you can prove your permanent disability status by providing documentation from the Social Security Administration (SSA) showing that you are:

If either of the following applies to you, you may be eligible for a 100% discharge of your student loans.

Your school closes while you are enrolled, and you did not complete the program due to the closure of the school. (An approved leave of absence counts as enrollment.)
Your school closes within 120 days after you withdraw.
You do not qualify for the Closed School Discharge Program if:

You withdraw more than 120 days before the closure.
You are completing a comparable program at another school (either by a “teach-out” agreement or by transferring your credits).
You have completed all of the coursework for the program, even if you didn’t receive a diploma or certificate.
Note: You may attend a new school and transfer your credits, and still qualify for the Closed School Discharge Program, only if the program of study at the new school is completely different than the program of study at the school that closed.