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I will be transferring to FSU in the Fall as an incoming Junior. I have 100% Bright Futures Scholarship for tuition/books, but will need money for living expenses. I will not be able to work and will be completely focusing on getting my degree to become a Physics Teacher. I will need some sort of student loans to finish my eduction, and heard that the Government will forgive certain loans if you want to become a math/science teacher, which is basically a win-win for me. I think I might need $10,000 maybe more for the 2 years I have left. Question is, which are the loans I get that can be forgiven? Oh and I don't qualify for a Perkins Loan. Thanks everyone!
Stafford loans can be forgiven in certain situations for teachers. Here is the info and the reference. Discharge/Forgiveness Condition: Full-time teacher for five consecutive years in a designated elementary or secondary school serving students from low-income families. Must meet additional eligibility requirements. Amount Discharged/Forgiven: Up to $5,000 (up to $17,500 for teachers in certain specialties) of the total loan amount outstanding after completion of the fifth year of teaching. Under the Direct and FFEL Consolidation Loan programs, only the portion of the consolidation loan used to repay eligible Direct Loans or FFEL Loans qualifies for loan forgiveness. Notes: For Direct and FFEL Stafford Loan borrowers with no outstanding balance on a Direct or FFEL Loan on Oct. 1, 1988 or on the date they received a loan on, or after that date. PLUS Loans are not eligible. At least one of the five consecutive years of teaching must occur after the 1997–98 academic year.* To find out whether your school is considered a low-income school, go to www.FederalStudentAid.ed.gov. Click on “Students, Parents and Counselors.” Or call 1-800-4-FED-AID (1-800-433-3243).
The loan forgiveness program for teachers is a federal program I believe but its so teachers go to school districts which are in need of teachers. So while I doubt Orange County North Dakota needs new teachers, inner city Mobile Alabama might. The loans are forgiven over a period of time so it isn't like you can get hired, your loans are forgiven, and then you quit.
Check with the different school districts in your area. I don't know about Florida, I'm sorry to say, but here in California, certain low income areas will give you a loan and forgive them if you agree to teach in their district for at least a certain number of years after graduating. Usually 2 years or so. Good because you'll be guaranteed a job after graduating. Bad, if you don't want to teach in a low income area, and so, if you plan to transfer somewhere else, you'll be starting off with no seniority even after two years of teaching. Wish I knew more. Good luck. Just noticed that the post above me is way better. ;/
Students and parents who must deal with the high cost of a college education have available to them a wide range of student loans. This article offers details on three general types of student loans. Unlike other student loans, application for a specific Stafford Loan should be preceded by the filing of a Free Application for Federal Student Aid (FAFSA). The FAFSA application should be made in the name of the aspiring student. Like some other student loans, application for the Signature Loan permits the use of a co-signer. In fact, there is a real advantage to applying for a Signature Loan with a co-signer.
Forget about loans. apply for grants. you dont have to pay back a single penny for those.