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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.
The most common types of student loan forgiveness and their timing: 1  Income Driven Repayment Plans under the Ford Direct Loan Program: 20-25 year Forgiveness.  Teacher Loan Forgiveness and Perkins Loan Cancellation Program for Teachers: 1-5 Year Forgiveness.