There’s only so many ways one can relieve themselves of debt. In the realm of student loans for higher learning, options exist, but they haven’t really helped the $1.4 trillion total for borrowers who still owe. Hard to shake, and even with the various programs cropping up across the nation to help with this monumental number, not everyone can get relief.

At the same time, not everyone has to face down decades of repayment. Loan forgiveness is one possible option when specific criteria is met. In this case, teachers and educators can look to forgiveness programs pending the mentioned criteria.

Those who enter the front of education know how tough it can be, regardless of grade taught. Though, the forgiveness programs can make this noble job even more worthwhile. The requirements are different and will best fit specific circumstances, but can lead to over $10,000 in relief.

Thus far there are three relief programs for teachers. Educators can have their Perkins loan repayment cancelled, or qualify for either Public Service Loan Forgiveness and Teacher Loan Forgiveness. In all three cases, it’s first worth noting it only applies to federal loans. Private student loans are different and probably don’t have similar programs.

Why 100% Student Loan Forgiveness is a Hopeless Pipe Dream

If an instructor is looking at Teacher Loan Forgiveness, the requirements are to teach full time for five years at a qualifying low income public school. Eligibility is case by case, but the maximum forgiveness can be up to $17,000.

Public Service Loan Forgiveness can remove debt in totality, but demands a fair amount of commitment. Getting this means a borrower has had a least 120 on time repayments (even if you’ve been in deferment or the like) and taught at a qualifying non-profit government school for a decade. As far as forgiveness goes, this is like icing on the cake and isn’t recommended if one’s only goal is to remove student debt.

Lastly is freedom from the Perkins loan. This also requires working full time at a qualifying facility teaching a specific subject, like foreign language, science, or math. Mostly it’s aimed at schools with a teacher shortage, but under the program it removes what’s owed for Perkins.

For new borrowers or graduates, programs like above aren’t entirely rooted in teaching. Analysts for debt suggest looking into government or public work that offer similar plans, as they can take off huge chunks of borrowed money after a certain amount of time.