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)