Direct Loan Forgiveness

Forgiveness is built into the standard structure of the William D. Ford Federal Direct Loan Program: any balance remaining at the end of your loan term, or after the maximum repayment period under an income-driven plan, is forgiven.

Who qualifies

• You hold Direct Subsidized, Unsubsidized, PLUS, or Direct Consolidation Loans.
• You've been on an income-driven repayment plan for the required number of years (typically 20–25).
• Your balance hasn't already been paid off before the forgiveness date.

How National Advisory helps

We review your loan type and repayment history, confirm which income-driven plan puts you closest to forgiveness, and keep your annual income recertification on schedule so your forgiveness clock never resets.