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Valuable Financial Benefit for Teachers at High-Needs Schools
To reward teachers for working in poverty impacted areas, the United States Department of Education (USED) offers the federal Teacher Loan Forgiveness/Cancellation Program (TLF/CP). Attracting and keeping talented teachers in low income schools is intended to promote equity for children who need and deserve the best education possible.

Teachers who work full time for at least 5 consecutive years in low-income schools or Educational Service Agencies (ESAs) may be eligible for student loan forgiveness or cancellation. Eligibility requirements and the amount of benefit will depend on the loan type, the individual's job assignment, and other factors.

Directory of Low-income Institutions
The institution where a teacher works does not necessarily have to be a Title I school. Instead, it must be a school or ESA where over 30% of the students are eligible for free or reduced lunch. The qualifying institutions are listed in the federal Teacher Cancellation Low-Income (TCLI) directory at: www.tcli.ed.gov/CBSWebApp/tcli/TCLIStateWelcome.jsp.

If you have questions about the TCLI directory or believe a qualifying institution is not listed, please contact NCDPI via the number or email at the top of this web page.

Program Criteria and Application Process
See the US Department of Education’s blog for a link to the site with details about qualifying job assignments, dollar amounts, loan types, and the application process for TLF/CP and other programs.

More Information
The FAQ page below provides more details, including a list of acronyms and a USED help desk phone number. If you are not finding the information you need, please contact us at NCDPI. We want to support and encourage loan forgiveness for teachers serving children in high-needs schools.

Frequently Asked Questions about TLF/CP
(pdf, 341kb)