NYS Teacher Loan Forgiveness Program

The NYS Teacher Loan Forgiveness Program provides student loan forgiveness for the purpose of attracting and retaining teachers serving in hard to staff districts or who teach in subject shortage areas in New York State. Recipients can receive awards up to $5,000 per year for up to 4 years, not to exceed the total amount of the recipient’s student loan debt.


An applicant must:

  • be a NYS resident and have resided in NYS for 12 continuous months prior to applying for this Program;
  • be a U.S. citizen or eligible non-citizen;
  • be certified as a teacher in NYS;
  • be employed full-time in an elementary or secondary school in NYS;
  • teach in either a subject shortage area or a hard to staff district in both the current and previous school years;
  • have an outstanding balance on an eligible student loan debt(s);
  • be in a non-default status on a student loan made under any NYS or federal education loan program or repayment of any NYS award; and
  • be in compliance with the terms of any service condition imposed by a NYS award.

Eligible Subjects and Districts

Teaching is a career in which you will always have a purpose.

View the current year (2018-19) Subject Shortage Areas and Hard-to-Staff Districts.

View the prior year (2017-18) Subject Shortage Areas and Hard-to-Staff Districts.

Eligible Student Loans

A successful applicant must have an outstanding balance on eligible student loan debt used to fund an undergraduate or graduate degree from a college or university.

Eligible student loans include NYS or federal government loans, or private student loans made by commercial entities subject to governmental examination. This does not include Parent PLUS loans.

Award Amount

The maximum lifetime award under this Program is $20,000, or the applicant’s actual eligible student loan indebtedness, whichever is less. Awards will be paid in annual disbursements up to $5,000.

Note: Any loan forgiveness award payment received may have tax implications. A 1099 form will be issued by the NYS Office of the State Comptroller reflecting the total loan forgiveness payments received by the recipient for the year. Any questions regarding potential tax implications should be directed to a tax professional, the Internal Revenue Service, or the NYS Department of Taxation and Finance.


Payments are available for up to four years.

How to Apply

The NYS Teacher Loan Forgiveness Program application is now available.

The deadline for filing an application for the NYS Teacher Loan Forgiveness Program is January 2, 2019.

Note: An applicant who is selected to receive an award need only apply once.


Payments are made directly to the recipient.

The NYS Teacher Loan Forgiveness Program Application will be used to establish an applicant’s eligibility as well as to process the first award payment.

In subsequent years, a recipient must submit a Payment Application and verification of teaching services for which payment is sought annually by the deadlines set by HESC.

Note: The number of awards paid under this Program is limited to available funding.


Please contact the Scholarship Unit at This email address is being protected from spambots. You need JavaScript enabled to view it. or 888-697-4372 with questions regarding this Program.