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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.
To qualify for loan forgiveness after 25 years of on-time payments, you must be enrolled in the income-contingent, or income-based repayment plans during your 25 years of 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.