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Loan Forgiveness

Seeking "Teacher Shortage Area" Loan Forgiveness a tutorial. The information detailed below is intended to assist educators seeking Loan Forgiveness Program resources. It has been gathered and provided by the Nevada Speech-Language-Hearing Association (NSHA/NV Coalition):


The U.S. Department of Education Teacher Loan Forgiveness Programs are intended to encourage individuals to enter into and continue in the teaching profession. They are designed specifically for educators that teach in schools designated as low-income, and / or teach in subject matter or teacher shortage areas, or that are deemed highly qualified.

Teachers/educators who are borrowers of certain loans may qualify for deferment, forbearance, or cancellation of all or part of their loans, depending on the type of loans and when the loans were made.

  • Deferment is a temporary postponement of loan payments; principal, and in some cases interest
  • Forbearance is a temporary postponement or reduction of the loan
  • Cancellation means that the borrower will no longer be responsible for repaying all or a portion of the loan, including interest, once he or she has performed qualifying teaching service

Where to begin

Contact the originator of your loan or the financial aid office from which you received your degree to obtain information specific to your loan, qualifications, and options.


The following links provide information about the limitations, qualifications, and eligibility requirements for the loan forgiveness programs:

General program guidelines

  • Educators must have taught full-time for five (5) complete and consecutive academic years in a qualifying low income school and / or as an educator in a teacher shortage or subject matter shortage area, or have been deemed highly qualified.
  • Loan payments must be current - cannot be in default of loan.


Two (2) types:

Designated as low income school: must have one or more of the following to be eligible:

  • Title 1
  • Title 1 and highly qualified
  • Title 1 and in a shortage area

Teacher Shortage Area: must have the following to be eligible:

  • Full-time teacher of mathematics, science, foreign languages, bilingual education, or any other field of expertise where the State Educational Agency has determined there is a shortage of qualified teachers.
  • Perkins Loan borrower


How to Repay Your Loans > Forgiveness, Cancellation, and Discharge:

"Low Income" Elementary and Secondary Schools / Educational Service Agencies:

Nevada Speech-Language-Hearing Association:

Nevada Speech-Language-Hearing Association/Nevada Coalition:

NV Department of Education:

NV Department of Education - Loan Forgiveness, Shortage Areas:

Student Aid:

Subject Matter Shortage Areas:

Teacher Loan Forgiveness:

Tutorial Teacher Shortage Area Loan Forgiveness:

Ready Set Repay:

U.S. Department of Education:

U.S. Department of Education - Post Secondary Education - Loans / Grants / Teacher Shortages: