ࡱ> OQN@ @bjbjFF +D,,M$$$$$$$8@@@@<|\8 : > JR T T T T T T $"R$x 9$zzzx $$ vvvz"$$R vzR vv$$v & G@v\ 0 vy%y%v88$$$$y%$vRHv@:RRRx x 88dl 88QUICK REFERENCE CHART OF TEACHER LOAN BENEFITS To Help Teachers Determine if Their Student Loans Qualify for Forgiveness/Deferment/Cancellation Benefits. See 7-page Fact Sheet for Detailed Information. * Important new note: see New State Loan Repayment Assistance Program under Notes from Texas on p.7 of Fact sheet Type of Loan * see note !Date of FIRST Loan Determines Borrower EligibilityBenefitHow is the Benefit Earned ?When Is Benefit Received?What Should You Do?Where Do You Get the Forms to Apply?Stafford ( *Note: See new benefit ! only for math, sci & spec. ed. teachersONLY on or after Oct. 1, 1998. On the date of 1st loan, borrower must have had no outstanding balance on Stafford or Direct loans taken out prior to 10-01-98.Forgiveness benefit of up to $5,000 (new benefit $17,500 for second. math, sci. & second. & elem. spec. ed. teachers) per teacher on total loan balances, incl. consolidations in a Fed. Consol. Loan.Teach for 5 consecutive years in a low-income school, & teach in an area relevant to his/her academic major (see fact sheet). If eligible for $17,500 (see left) or teaching service began after 10-30-04, must meet definition of highly qualified teacher below. At end of fifth consecutive year of teaching in a designated low-income school. (At least one year of teaching service must be after the 1997-1998 school year.) Make regular loan payments. Submit forgive-forbearance form when balance due nears benefit amount of $5,000.** (No refunds possible.) At end of 5th consec. year, submit applic. form to loan holder for up to $5,000** benefit.From loan holder or TEA website:  HYPERLINK "http://www.tea.state.tx.us/eddev/loanforgive/" http://www.tea.state.tx.us/eddev/loanforgive/ Send completed forms to loan holder.Stafford (Between July 1, 1993 & Sept. 30, 1998. No benefit for any -- even for additional loans after 10-01-98.NO forgiveness or deferment benefits available-Congress did not legislate a benefit during this time period.Stafford (old) (ONLY Between July 1, 1987 & June 30, 1993. Additional later loans elig. too.ONLY a Payment Deferment benefit - up to 3 years No forgiveness!Must be teaching in a designated subject-matter shortage area during the years you apply. (See list below.)Whenever you apply. (Loan holder determines eligibility). Warning: This benefit is lost if/when loans are consolidated.Use Education Related Deferment Request - EDU form to apply.From loan holder or TEA website:  HYPERLINK "http://www.tea.state.tx.us/eddev/loanforgive/" http://www.tea.state.tx.us/eddev/loanforgive/ Send to loan holder.Perkins (On or After July 23, 1992 ( Prior to 7-23-92 (Cancellation benefit of up to 100% of the loan( Cancellation benefit of up to 100% of the loan(After teaching five years in a designated low-income school OR in a designated subject-matter shortage area. Same as above, but subj. -matter shortage area service counted only after Oct. 7, 1998.Partial Forgiveness at: End of yr 1 & 2 = 15% ea End of yr 3 & 4 = 20% ea End of yr 5 = 30% (Total of 100%) Warning: Never consolidate a Perkins Loan into a Fed Consolid. loan or cancellation benefits will be lost. At beginning of each school year, notify college where loan was obtained; tell them where & what you are teaching. At end of each school year, fill out the application to apply for benefit.From the college or university where the Perkins loan was taken out. (Send the application to your college or university.)Dates of Borrower Eligibility for Loan Benefits: were determined by date on which Congress passed the applicable legislation to establish the benefit. Designated Low-Income Schools are: Schools with greater than 30% low-income student enrollment in a DISTRICT eligible for Title I funds. 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For definition of highly qualified go to  HYPERLINK "http://www.tea.state.tx.us/nclb/hottopics/hqdef.html" http://www.tea.state.tx.us/nclb/hottopics/hqdef.html [Texas Education Agency Mar. 2006] @@@@@@@@@@ hihCJ hCJ hV<CJ h#CJ h]CJ h]CJ hihCJ )&P0:p= /!"#@$@%U$$If!vh5J5b55$ 5 55#vJ#vb#v#v$ #v #v#v:V l05J5b55$ 5 55/ 4pF-DyK .http://www.tea.state.tx.us/eddev/loanforgive/yK \http://www.tea.state.tx.us/eddev/loanforgive/$$If!vh5J5b55$ 5 55#vJ#vb#v#v$ #v #v#v:V l05J5b55$ 5 55/ / /  / /  / / / 4pF$$If!vh5J5b55$ 5 55#vJ#vb#v#v$ #v #v#v:V l F05J5b55$ 5 55/ / /  / / 4pF7kd=$$Ifl֞@ %h.~6Jb$   F04 lapF-DyK .http://www.tea.state.tx.us/eddev/loanforgive/yK \http://www.tea.state.tx.us/eddev/loanforgive/$$If!vh5J5b55$ 5 55#vJ#vb#v#v$ #v #v#v:V l05J5b55$ 5 55/ / /  / /  / / / 4pF$$If!vh5J5b55$ 5 55#vJ#vb#v#v$ #v #v#v:V l05J5b55$ 5 55/ / /  / / 4pFIDyK 5http://www.tea.state.tx.us/nclb/hottopics/hqdef.htmlyK jhttp://www.tea.state.tx.us/nclb/hottopics/hqdef.htmlH@H Normal CJOJQJ_HkHmH sH tH <@< Heading 1$@&5CJ<@< Heading 2$@&5CJ8@8 Heading 3$@&5B@B Heading 4$$@&a$5CJB@B Heading 5$$@&a$>*CJDA@D Default Paragraph FontVi@V  Table Normal :V 44 la (k(No List 4>@4 Title$a$5CJ<B@< Body Text$a$5CJ@P@ Body Text 2$a$5CJ<Q@"< Body Text 3$a$CJ0U@10 Hyperlink>*B*@VA@ FollowedHyperlink>*B* HRH ^ Balloon TextCJOJQJ^JaJMD/=J]q}   '9as'(y $=m"#,.Fh _ u v ~  ! `  4 N k   . 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