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Among other recommendations, the study suggests American universities should make sure their websites and recruitment materials are able to be accessed on mobile phones.
Have you heard or read about student loan forgiveness? Are you wondering what it is or if it is really possible? Perhaps you already know a little about it and you want to find out if you qualify. Well, you’ve come to the right place. We’ll provide answers these questions and tell you where you can go to learn more.
What is loan forgiveness?
Loan forgiveness is the cancellation of all or some portion of your federal student loan balance. Yes, that’s right—cancellation of your loan balance. If your loan is forgiven, you are no longer required to repay that loan.
Is it really possible to have your student loans forgiven?
Yes. However, there are very specific eligibility requirements for each situation in which you can apply for loan forgiveness. If you think you may qualify, it’s definitely worth investigating.
How do I get my loans forgiven?
There are a number of situations under which you can have your federal student loan balance forgiven, and we’ve provided a few in this post. You will, however, want to research your options at StudentAid.gov/repay and contact your loan servicer for any questions you may have about student loan forgiveness.
A couple examples of situations in which your federal student loans may be forgiven include:
- Teacher Loan Forgiveness: If you teach full-time for five complete and consecutive academic years in certain elementary and secondary schools and educational service agencies that serve low-income families, and meet other qualifications, you may be eligible for forgiveness of up to a combined total of $17,500 on certain federal student loans. For details about this program, see Teacher Loan Forgiveness.
- Public Service Loan Forgiveness (PSLF): If you work full-time in certain public service jobs you may qualify for forgiveness of the remaining balance of your Direct Loans after you’ve made 120 qualifying payments on those loans—that’s usually about 10 years of payments. Serving in the Peace Corps or AmeriCorps is considered qualifying employment. To benefit from PSLF, you should enroll in a repayment plan that bases your monthly payment on your income. Learn more about income driven repayment plans. For loan repayment and borrower eligibility requirements, see Public Service Loan Forgiveness.
There are additional situations that allow you to apply for cancellation of your federal student loans. For example, if you are totally and permanently disabled, a member of the U.S. armed forces (serving in area of hostilities), a member of the Peace Corps, or a law enforcement or corrections officer, you may be eligible for cancellation of a portion of your federal student loan. Learn more about how you may qualify for loan forgiveness and contact your loan servicer with questions.
Are there other ways in which I can get help repaying my loans?
There are additional government programs that provide student loan repayment assistance for individuals who provide certain types of service. A couple examples include:
- Military Service: In acknowledgement of your service to our country, there are special benefits and repayment options for your student loans available from the U.S. Department of Education and the U.S. Department of Defense. Learn about federal student loan benefits for members of the U.S. Armed Forces.
- AmeriCorps: The Segal AmeriCorps Education Award is a post-service benefit received by participants who complete a term of national service in an approved AmeriCorps program—AmeriCorps VISTA, AmeriCorps NCCC, or AmeriCorps State and National. An AmeriCorps member serving in a full-time term of national service is required to complete the service within 12 months. Upon successful completion of the service, members are eligible to receive a Segal AmeriCorps Education Award which can be used to pay educational costs at eligible postsecondary institutions, as well as to repay qualified student loans.
Remember, there are resources available to help you repay your loans. In addition to loan forgiveness and other benefit programs, you also have other options (including repayment plans that are based on your income) if you find yourself in a situation where you’re having trouble making your loan payments. Be sure to discuss your options with your loan servicer.
Lisa Rhodes is a writer at the Department of Education’s office of Federal Student Aid.
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The tornado that hit Joplin, Missouri, on May 22, 2011 lasted 32 minutes and caused damage for 13 miles. At its widest point, the path of the tornado stretched a full mile. The EF5 Tornado — the most destructive on the Enhanced Fujita Scale — left a city nearly destroyed. More than 15,000 vehicles were carried away, nearly 7,000 homes were completely destroyed, and 161 people lost their lives.
The destruction of Joplin High School took place just minutes after a graduation ceremony for seniors. The ceremony was held off campus, at Missouri Southern State University. When the tornado hit, around 150 people were still in the arena, and Dr. Kerry Sachetta, the high school principal, led those individuals into the basement. But others were already on the road or back in their homes. The tornado claimed the lives of seven students (including one of the graduates) and one high school staff member.
In the months following the tornado, Secretary Arne Duncan joined then-Secretary of Homeland Security Janet Napolitano to tour the city and the destroyed high school, and last week, Duncan returned to Joplin with Vice President Joe Biden for the dedication of the new state-of-the-art Joplin High School/Franklin Technology Center.
Referring to his previous visit three years ago, Secretary Duncan spoke of how he left inspired and full of hope, and that he is not surprised at Joplin’s dramatic recovery. “In that one day [in 2011], I had some sense of the fiber and character of this community,” he said.
“It would have been much easier to build a high school that just built upon what was here in the past. This community decided that the children of Joplin deserved something much better. So they built a high school not for yesterday, not for today, but for tomorrow. In blending vocational education and college education, [and] making sure we’re not tracking children into one path or another, but giving them the option to develop for college and for careers.”
Going forward, many of Joplin’s graduates will enter college with two years of college credit under their belt, saving students and their families thousands of dollars in tuition.
“This is a vision of what high schools all across America should be doing and can be doing.”
The new Joplin High School/Franklin Technology Center isn’t just a new building, but a new vision of education for the community’s students. The opening also marked the launch of the Career Path curriculum. Students attending JHS/FTC can choose one of five Career Paths, which are developed and implemented by school, community, and business representatives, centered on core foundational knowledge and skills, plus the soft skills employers demand from their employees.
“But as powerful and as inspiring as this high school is,” Duncan said during the dedication homecoming. “For me, the building is simply a living symbol, a physical manifestation, of this community’s values.”Cameron Brenchley is a Senior Digital Strategist for the Office of Digital Strategy at the White House.
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2014 Scholastic Art and Writing Award Winners Featured at ED: They Gave Their Inspiring Voices and Visions
Each September brings a special day at the U.S. Department of Education: a day when the marble halls and foyers of the agency’s headquarters fill with excited crowds of students, teachers, families, local and visiting officials, and passionate supporters of the arts.
This year was no exception: on Friday, Sept. 19, winners of the 2014 Scholastic Art & Writing Awards were honored for their accomplishments. The Department sponsored the opening of two exhibits, one of awardees from around the country and one of Portland, Ore., awardees, with a total of 80 works of art. Among the honorees were the five newly chosen National Student Poets.
The day began with two workshops — one in the visual arts for the teachers of student winners, and one in poetry for the student winners.
Nancy D. Hoover, art director of the Girls’ School of Austin, had traveled to the Nation’s Capital to honor her student Alabel Chapin, who won a Gold Award for her piece Wearing Her Heart on Her Sleeve. In eighth grade when she made this painting based on a photograph she took, Chapin was inspired, said Hoover, by a third-grade schoolmate named Pippa. When asked why Pippa’s expression is so sassy, Hoover said she had an attitude, perfectly captured in this painting, because she did not want to be photographed in her nightgown. According to Chapin, who was in rehearsal at the Austin Ballet the day of the opening, “Most of the time I don’t like to paint traditional or pretty images. It feels more human to paint people with imperfections.”
Also in attendance were Melvin Butler and Terri Jenkins of Stone Branch School of Art in Rockville, Md., to honor Butler’s student Juneau Kim, the winner of a Gold medal in Comic Art for Kicking Craters. Butler says he asks students to develop a character, story and sketch to show how to express tension, conflict and issues, and how to resolve them using comic style. Juneau, who was also at the opening, explained his work, “In art,” he said, “it’s hard thinking of an idea and way harder getting your idea on paper. … Art-making can be tedious, which is how my character feels on his lonely planet. … But once you get ideas and draw them out, everything starts to come together. … This is how my character felt when he realized he was not alone.”
Acclaimed poet Glenis Redmond, along with the five National Student Poets, led a workshop on writing poetry. She spoke to the level of sensitivity all artists have and how it can be transferred to both their visual art and poetry. “When you see blue,” she said, “you don’t just see blue, you see turquoise, teal, and cobalt.” Redmond taught the students about praise poems, which allow authors to explore themselves through positive connections with their present and past. After facilitating a word-play brainstorm, she showed the class the interesting self-description combinations that can be created. The students then composed their own praise poems.
Nyanna Johnson from Dayton, Ohio, offered her praise poem:
Johnson said she’d been moved by the artistic energy of the other students and Redmond.
In the inspiring company of the Scholastic Art & Writing Award winners, Jamienne Studley, ED’s deputy under secretary of education, reflected that, “Creative thought matters. It matters in peace negotiations, in science labs, in city hall, just as it does on stage or in the art studio.” Reminding the audience that these students practice critical thinking, understanding other perspectives, communication and problem solving, she addressed the students, saying, “Your art and poetry are examples of the highest form of each one of these. Today, you, right here, are the artists and poets who are expanding horizons for your generation.”
Virginia McEnerney, executive director of the Alliance for Young Artists and Writers, further acclaimed the students’ work, “What I often hear from judges of the Scholastic Awards is that your work gives them hope for the future of the arts. … [and] the track record of these awards would indicate that you are on a very good path to taking us, as a country, into the future with creativity and innovation, the core of our success.” Rachel Goslins, executive director of the President’s Committee on the Arts and the Humanities, concluded, saying, “Arts education is not something different or separate from education; arts education is a … critical part of education.”
Click here to see additional photos from the exhibit opening.
All photos are by Tony Hitchcock.
Jackye Zimmermann is director of ED’s Student Art Exhibit Program.
The Department’s Student Art Exhibit Program provides students and teachers an opportunity to display creative work from the classroom in a highly public place that honors their work as an effective path to learning and knowledge for all. To visit the exhibits or for information about exhibiting, contact Jackye Zimmermann at 202-401-0762 or at firstname.lastname@example.org/.
You received a federal student loan and now it’s time to repay it. If you’re like most student loan borrowers, you may find the repayment process a little overwhelming. But you have an important resource—your student loan servicer—to help you navigate the repayment process.
What is a loan servicer?
A loan servicer handles the billing and other services on your federal student loans. The U.S. Department of Education (ED) assigns your loan to a servicer, and the servicer assists you with repayment and any questions you may have about your federal student loan.
What’s so important about my loan servicer?
There are several reasons why your loan servicer is important, including the fact that you’ll make your loan payments to your servicer.
Your servicer will help you:
- select or change your repayment plan;
- understand loan consolidation, forgiveness, cancellation, or discharge options;
- find ways to make your payments more affordable; and
- explore your options if you’re having trouble making payments to ensure you avoid becoming delinquent on your student loan.
How do I get contact information for my loan servicer?
To view information about all of your federal student loans including contact information for your loan servicer, log in to “My Federal Student Aid.” You’ll need your Federal Student Aid PIN, so make sure you have that handy. Once you’re logged in, select “Your Federal Student Loan Summary” to view your loan information. Note: If you have multiple federal student loans you may have more than one loan servicer, be sure to select each loan to see information specific to that loan.
Remember that your loan servicer will help you throughout the loan repayment process, so keep in touch with them, especially if your financial circumstances change.
Lisa Rhodes is a writer at the Department of Education’s office of Federal Student Aid.
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All of our students deserve equal access to educational resources like academic and extracurricular programs, strong teaching, facilities, technology, and instructional materials, no matter their race, color, or national origin.
That’s why my office, the Office for Civil Rights at the U.S. Department of Education, released new guidance this week to educators to ensure that all students have equal access to the school resources that they not only deserve, but are their right under Title VI of the Civil Rights Act of 1964.
Our most recent Civil Rights Data Collection shows that only two out of three Latino high school students and three out of five of black high school students attend schools that offer the full range of math and science courses, defined by OCR as Algebra I, geometry, Algebra II, calculus, biology, chemistry and physics. Since the start of this Administration, OCR has received more than 260 complaints related to resource equity. OCR has also initiated 33 investigations of states, school districts and schools. Here are two recent examples from our investigations to ensure that students of color could access the educational resources that are their right:
- In a New Hampshire school district, black and Latino students were disproportionately under-enrolled in the district’s Advanced Placement courses. In an agreement with OCR, the district committed to consider increasing the numbers and types of courses offered and adding more teachers qualified to teach higher-level courses, among other remedies.
- Earlier this year, in a California school district, OCR found that during the 2010-11 school year, black students in grades 3-6 were more than 4.5 times less likely than their white peers to be identified for the Gifted and Talented (GATE) program. To rectify this, the district agreed to revise GATE criteria and enrollment practices to eliminate barriers to equal access.
We released this guidance to give schools, school districts, and states detailed information on how OCR investigates resource disparities and to set a clear framework for educators on how to comply with the fundamental principle that all students, no matter their race, color, or national origin, deserve equal access to a high-quality education.
In remarks announcing the new guidance, Secretary Arne Duncan described numerous inequities in access to strong teaching, rigorous coursework, and quality facilities. “These facts, and this reality, compels us to act,” he said. “We cannot simply wring our hands and admire the problem.”
This guidance is just one part of President Obama’s larger commitment to equity, including the recently announced Excellent Educators for All initiative. It also builds on recommendations from the Equity and Excellence Commission’s 2012 “For Each and Every Child” report.
We released this guidance to end the tired practice of offering students of color less than we offer other students and to make sure that all of our students have access to the education they deserve.
Across the Department, my colleagues are also working to provide opportunities for students of color. The Department has recently announced grants to support underrepresented students in gifted and talented programs, to develop and evaluate new approaches that can expand college access, to help at-risk high school students prepare for college, and to boost college and career readiness for historically underserved students.
Catherine E. Lhamon is Assistant Secretary for Civil Rights at the U.S. Department of Education.
It’s been tough for me to come to terms with, but, unfortunately for me, I am not in college anymore. In fact, this spring marked three years since I graduated from college and went into repayment on my student loans. I know, not the most exciting thing in the world, but important. So while I don’t claim to be a student loan expert, I have learned a lot of lessons along the way, mostly through trial and error. In hopes that you won’t make the same mistakes I did, here are some things I wish I had known when I was graduating and getting ready to start repaying my student loans:
- I should have kept track of what I was borrowing
Let’s be real. When you take out student loans to help pay for college, it’s easy to forget that the money will eventually have to be paid back … with interest. The money just doesn’t seem real when you’re in college, and I didn’t do a good job of keeping track of what I was borrowing and how it was building up. When it was time to start repaying my loans, I was quite overwhelmed. I had different types of loans and different interest rates. When I did eventually see my loan balance, I was pretty shocked.
You can avoid this problem. Had I known there was a super easy way to keep track of how much I’d borrowed in federal student loans, I would have been much better off. You can view all your federal student loans in one place by going to StudentAid.gov/login.
- I should have made interest payments while I was still in school
If you’re anything like me, you probably consumed your fair share of instant noodles while trying to survive on a college student’s budget. Trust me, I get it. But one thing I really regret when it comes to my student loans was not paying interest while I was in school or during my grace period. Like I said, I was far from rich, but when I was in college, I did have a work-study job and waited tables on the side. I probably could have spared a few dollars each month to pay down some student loan interest. Remember, student loans are borrowed money that you have to repay with interest and more importantly, that interest may capitalize, or be added to your total balance. My advice: Even though you don’t have to, do yourself a favor and consider paying at least some of your student loan interest while you’re in school. It will save you money in the long run.
- I should have kept my loan servicer in the loop
If you’re getting ready to graduate or have graduated recently and haven’t heard from your loan servicer, make sure you check that your loan servicer has up-to-date contact info for you. When I graduated and moved into my first big-girl apartment, I forgot to change my address with my loan servicer. I found out that all of my student loan correspondence was going to my mom’s address. I hadn’t even thought to update my loan servicer with my new contact information. Don’t make the same mistake I did. Keep your servicer informed of address, email, and phone changes.
- I should have figured out what my monthly loan payments were going to be BEFORE I went into repayment
By the time my grace period was over, I had a decent idea of how much I had borrowed in total, but I had no idea what my monthly payments would be. I thought I was fine. I had started my new job and been paying rent and other bills for about six months. Then my grace period ended, and I got my first bill from my loan servicer. It was definitely an expense I hadn’t fully taken into account.
Don’t make the same mistake. Federal Student Aid has an awesome repayment estimator that allows you to pull in your federal student loan information and compare what your monthly payments would be under the different repayment plans that are offered. That way, you can choose the right repayment plan, know how much you can expect to pay monthly, and budget accordingly … unlike me.
I’ll be the first to admit that this whole process can be a little overwhelming, especially when you’re new at it. But just remember, your loan servicer is there to help you. If you need advice or have questions about your student loans, don’t hesitate to contact your loan servicer. Their assistance is FREE!
Nicole Callahan is a digital engagement strategist at the Department of Education’s office of Federal Student Aid.