Javascript Required

The browser you are currently using has Javascript turned off. Features within pheaa.org depend on javascipt to be fully functional.

Scam Alert!

Phone and text scams are currently underway targeting Erie residents and possibly other Pennsylvania residents offering “Pennsylvania Loan Forgiveness”. If you are contacted from someone stating:

“We are reaching out to you because your student loan has been flagged for the Pennsylvania forgiveness program. You are eligible to receive full forgiveness. This applies to all Pennsylvania residents. Please call our office back at (717) 573-8721 to be connected to your loan counselor. Again, that number is (717) 573-8721. Thank you.”

This is a scam! You should contact your loan servicer directly for any questions about legitimate loan forgiveness programs. Additionally, if you have been contacted about a loan forgiveness scam, a complaint may be filed with the Pennsylvania Office of Attorney General.

2025-26 PA State Grant Update

The first step to apply for the 2025-26 PA State Grant is to fill out the Free Application for Federal Student Aid (FAFSA^®) at StudentAid.gov. The FAFSA must be submitted by the deadline in order to be eligible for a PA State Grant.

Once you submit the FAFSA, PHEAA will trigger the next step in the PA State Grant process. Renewal students shouldn't have any other actions to take. First-time applicants must complete additional forms; we will email you when it's time to sign in and supply the needed information. We will let students and schools know when we send these emails by updating our website and social media channels. Follow PHEAA for continued updates.

Apply Now!

or call 1-844-PAFORWD

Loan Forgiveness

Loan forgiveness encourages students to pursue degrees and employment in specific fields. These programs repay part or all of your educational loan debt if you fulfill certain work-related requirements.

Available Programs

You may be eligible for loan forgiveness if you work in one of the fields below:

Public Service Loan Forgiveness (PSLF) Program (Direct Loan Borrowers)

The PSLF Program was established to encourage individuals to enter and continue in full-time public service employment. The program allows you to receive forgiveness of the remaining balance of your Direct Loans after you have made 120 qualifying monthly payments while working full time for a qualifying employer. To receive forgiveness, you must remain employed with a qualifying employer at the time you apply for and receive forgiveness for your loans.

For more information, visit the Federal Student Aid website.

Federal Teacher Loan Forgiveness Program

The purpose of the Federal Teacher Loan Forgiveness Program is to encourage individuals to enter and continue in the teaching