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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 Income-Contingent, or Income-Based Repayment Plans qualify you for loan forgiveness after 25 years of on-time payments. Forgiveness based on 20 or 25 years of on-time payments is only available to Federal Student loans. Private student loans do not qualify. Student Loan Discharge. There's one additional way to achieve student loan forgiveness which is called discharge. It is generally awarded by a judge and can apply to both Federal and private student loans.