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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.
If you are ineligible for student loan forgiveness, but are having trouble managing your loans, you have a few other options: 1  Putting your loans in deferment. 2  Putting your loans in forbearance.  Consolidating your loans through a Direct Consolidation Loan, or through a private student loan refinancing company.