Types of Student Loan Forgiveness and Who Qualifies in Tennessee

Types of Student Loan Forgiveness and Who Qualifies in Tennessee

Seeking student loan forgiveness in Tennessee is an effective way to keep your student loans from overtaking your finances. Not every college student can find a job right away after graduation and even with a decent job, paying off some student loans can be challenging at first. There are different student loan forgiveness programs out there that vary depending on your profession, degree, and other factors. If at any point you find yourself coming close to bankruptcy, feel free to consult with a Tennessee bankruptcy lawyer for advice.


Federal student loans come with different types of Tennessee student loan forgiveness programs depending on various factors like where you work, how many student loan payments you have made in the past, and certain circumstances. Student loan forgiveness programs related to where you work include:

  • Teacher Loan Forgiveness. Full-time teachers have the chance to have a portion of their student loans forgiven if they have taught for five years at a low income secondary or elementary school.
  • Public Service Loan Forgiveness. Whether your job is for a non-profit organization or government profession, you might be able to obtain loan forgiveness as long as you have made at least 120 monthly payments towards your student loans.

There are also student loan discharges that can happen during certain circumstances. Many of these circumstances are unpredictable and severe. Circumstances that may qualify you for a student loan discharge are:

  • You sustained a permanent mental or physical disability
  • The student loan borrower has passed away
  • The school you are enrolled in shuts down
  • You have to file for bankruptcy

Having a Tennessee student loan discharged for bankruptcy is rare, but not impossible. Consider seeking help from one of our bankruptcy lawyers if you have any questions about this.


Different people might qualify for Tennessee student loan forgiveness depending on their history and profession. Those who have served in the military Army National Guard, for example, can qualify for student loan forgiveness. Whether you qualify for a student loan depending on your profession and degree can depend on where you choose to work or which school you attended.

For example, some law schools offer student loan forgiveness for students who go on to work as lawyers that serve the public interest. Some medical students can obtain student loan forgiveness through the National Health Service Corps or Nurse Corps Loan Repayment Program if they work in places that lack proper medical care. Occupational and physical therapists can obtain student loan forgiveness depending on whether they work at certain private healthcare organizations.


When you find yourself struggling financially to the brink of bankruptcy, try talking with one of our lawyers in Chattanooga, Tennessee, and North Georgia to see what your financial options are. You can contact Tom Bible Law at (423) 690-7712 to talk to a Bankruptcy attorney in Tennessee for a free consultation today. Our Tennessee bankruptcy attorneys are located in Chattanooga and Tullahoma.

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