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Consolidating defaulted perkins loan

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With an average balance of ,400, student debt is a big part of the average college graduate's life.

Loans that are eligible for forgiveness under the PSLF program include loans from the Direct Loan Program, the Federal Family Education Loan (FFEL) Program, and Federal Perkins Loans are also eligible.The Public Service Loan Forgiveness (PSLF) program is intended to encourage individuals to enter and or continue to work full time in certain public service jobs.Borrowers may qualify for forgiveness on the remaining balance on Direct Loans after one has made 120 qualifying payments on those loans while employed full time by certain public employers.If you have PLUS loans only, you are not eligible for this type of forgiveness. Special Education teachers are considered teachers. You must teach full-time for five complete and consecutive academic years. Is the school at which I teach a low-income school? These schools are qualifying schools for purposes of this loan forgiveness program, even if they are not listed in the Annual Directory of Designated Low-Income Schools for Teacher Cancellation Benefits.Questions about the inclusion or omission of a particular school must be directed to the state education agency contact in the state where the school is located and to the U. You apply for teacher loan forgiveness after you have completed the five-year teaching requirement.