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Loan Forgiveness and Teacher Shortage

Borrowers of certain U.S. Department of Education (USDOE) loans may quality for deferment, forbearance or cancellation of all or part of their loans for teaching service in a designated low-income school or in a designated teacher shortage area/subject-matter shortage area, depending on the type of loans and when the loans were made.

Speech-language pathologists and audiologists employed by a Nevada school district, charter school, private or parochial school may qualify for loan forgiveness, loan deferments or the reduction of a teaching obligation depending on the type of loans and the date the loans were taken out.

Deferment is a temporary postponement of payments (principal and, in some cases, interest) on the loan.

Forbearance is a temporary postponement or reduction on 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.

To find out more go to:

Borrowers with FFEL, SLS, Stafford, Perkins, and/or Paul Douglas Loans:

To find out more about the eligibility requirements for teacher loan forgiveness, go to and follow this sequence of steps Select Repaying or Repayment Information.

• Go to the USDOE website for a current nationwide listing of designated "Teacher Shortage Areas":
• Go to the NV/NSHA Coalition website for the “teacher shortage area” Loan Forgiveness tutorial.

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