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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.
While this isnât a forgiveness program in the typical sense, you can get your loans forgiven through the Income-Based Repayment program. Through income-based repayment, your student loan payments are capped at 10-15 percent of your discretionary income.