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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.
1 Once you choose a forgiveness program, make all of your payments according to the program rules.  If you have Perkins Loans or older loans from the FFEL (Federal Family Education Loan) program, you will need to consolidate with a Direct Consolidation Loan to be eligible for Public Service Loan Forgiveness.