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Eligibility. To apply for Academic Forgiveness, you must have attended a West Virginia public college or university and cannot have been enrolled at any higher education institution for at least four calendar years.
You may qualify for public service loan forgiveness if you work full-time in a civil service job. After making 120 payments under certain repayment plans while working full-time in a public service position, the balance of your Federal Student Loan would be completely forgiven.