Ultimate Guide to Student Loan Forgiveness: How to Apply for the Top Programs 🎓

Looking for the “student loan forgiveness application”? The truth is, there isn’t just one. Stanley Tate explains the three main forgiveness programs—Public Service Loan Forgiveness (PSLF), Income-Driven Repayment (IDR) forgiveness, and Total & Permanent Disability (TPD) discharge—plus a few smaller programs most borrowers overlook. He breaks down how PSLF was fixed during COVID and now works for hundreds of thousands of borrowers, how IDR forgiveness cancels balances after 20–25 years, and how disability discharge can wipe loans if you meet medical criteria. You’ll also learn how to certify your employment, apply at studentaid.gov, and check if you already have forgiveness credit. If you’ve ever wondered which forgiveness program you qualify for, this guide will help you match your facts to the right path. CONNECT WITH STANLEY Website: https://tateesq.com LinkedIn: https://www.linkedin.com/in/stanleytate Book a Call: https://link.tateesq.com/book-a-call-forgiveness-yt TEAM Founder + Host: Stanley Tate Editor: Patrick Kevin Angeles Thumbnail Artist: Keanu Rafil RESOURCES Apply for forgiveness or repayment programs: https://studentaid.gov/ How the Big Beautiful Bill Impacts PSLF (and Why Negotiated Rulemaking is the Real Concern): https://www.tateesq.com/learn/beautiful-bill-pslf-changes How to Apply For Student Loan Forgiveness (2025): https://www.tateesq.com/learn/how-to-apply-for-student-loan-forgiveness Public Service Loan Forgiveness Buyback Explained: https://www.tateesq.com/learn/pslf-buyback Income-Driven Repayment Forgiveness: How It Works: https://www.tateesq.com/learn/income-driven-repayment Disability Discharge: How to Qualify: https://www.tateesq.com/learn/student-loan-forgiveness-disability-discharge TIMESTAMPS 00:00:00 – No single forgiveness application 00:00:36 – PSLF overview 00:01:26 – Certifying employment for PSLF 00:02:06 – PSLF overview (eligibility + changes) 00:03:04 – How to apply for PSLF 00:03:46 – IDR forgiveness explained 00:06:40 – Other forgiveness programs 00:07:21 – Disability discharge overview 00:08:23 – Certifying employment for PSLF 00:09:11 – Other forgiveness programs 00:09:57 – How to apply for PSLF 00:11:47 – How to apply for PSLF (revisited) 00:12:07 – PSLF overview (recap) 00:12:54 – How to apply for PSLF 00:13:09 – No single forgiveness application (closing)