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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.
This works out for many to be a form of instant forgiveness on their loans, because otherwise this interest would be due. For example, someone with a loan amount of $40,000 and an interest rate of 6.8% would have $8,160 of interest forgiven in their first three years from when their Income Based Repayment begins. This will allow for that interest to be forgiven on the first three years. 2  You do not see a large increase in you income in the future, and see yourself always qualifying for a zero payment at which case your student loan would be completely forgiven at the end of the term.