Public Service Loan Forgiveness (PSLF) Program

• Forgives the remaining balance on your Federal Direct Loans after 120 qualifying payments (estimated over 10 years).

Teacher Loan Forgiveness (TLF)

• Forgives up to $17,500 of your Direct or FFEL Subsidized or Unsubsidized Loans after 5 complete and consecutive years of teaching at a qualifying school.

Perkins Loan Cancellation for Teachers

• • • Eligible Federal Perkins Loan only, up to 100% of the loan may be canceled for teaching service, in the following increments: 
      • 15% canceled per year for the first and second years of service
      • 20% canceled for the third and fourth years
      • 30% canceled for the fifth year
      • Each amount canceled per year includes the interest that accrued during the year.

To find out if a school is classified as a low-income school, check the StudentAid.gov
online database for the year(s) you’ve been employed as a teacher.

State-Sponsored Student Loan Forgiveness Programs

• Alabama offers loan forgiveness programs for teachers if you teach in a high need area.
  Visit https://studentaid.gov/tcli/ to see which Birmingham City Schools qualify.

All forms should be sent through a Freshdesk email and not to an individual. You can send an email to either bcshumanresources@bhm.k12.al.us or hr@bhm.k12.al.us

Call 205-231-4606 for immediate requests or concerns. For non-immediate requests, email Payroll@bhm.k12.al.us

Call Tracee Taylor, Coordinator, Insurance & Deduction – (205) 231-4723 or Janice Muse, Insurance & Deduction Clerk – (205) 231-9885.