You are here

Loan Forgiveness and Cancellation Programs for Educators

DPI is currently receiving a high volume of contacts for assistance.  The four most common topics of discussion are:

Latest Licensing News
Help with WAMS IDs

Before you can submit an application to DPI, you must register for a Web Access Management Systems (WAMS) user ID.

How to set up a WAMS account

Already have one or more WAMS accounts?

How to start your WAMS account recovery:

Perform a WAMS account recovery for all emails you have. Enter your email address but do NOT enter your User ID to start your WAMS account recovery. Once in the account recovery process you will be prompted to change your password. After you change your password you will be told in parentheses what your correct User ID is. Please make note of that before you terminate the account recovery session. Once you have recovered all WAMS accounts you have, login to ELO with each of your accounts individually. If you can see your licenses, you are logging in with the correct WAMS account. If you are taken through the Onboarding process again, you are not using the correct WAMS account and should try another account.

If you encounter errors in the WAMS account recovery process, please contact WAMS directly.  DPI is unable to help with WAMS recovery because the system is used by many state agencies and is run by the Department of Administration:

Teachers in Wisconsin may be eligible for loan forgiveness or loan cancelation if they work in an eligible school or teacher shortage area and have certain types of loans. The following information will be helpful in determining eligibility for these Federal programs.

For those interested in recent legislation regarding the Wisconsin Teacher Loan Program and other details around that program, please contact the State of Wisconsin Higher Educational Aids Board.

Loan Forgiveness

  • Teacher Loan Forgiveness is available for teachers who have Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans.
  • To meet the eligibility requirements for this program a teacher must have been:
    • Employed as a full-time, highly qualified elementary or secondary teacher for five complete and consecutive academic years , and
    • Employed at a designated low-income school during this period.
  • For the purpose of this loan forgiveness program, based on Wisconsin state law, a “full-time teacher for secondary school students” is a teacher working in any school that includes grade 9 or higher (this includes schools with grades 9-12, 7-9, or K-12) AND the teacher must teach students in grade 9 or higher.
  • Information on the federal loan forgiveness program including the application process is available at Federal Student Aid Information from the U.S. Department of Education
  • The Wisconsin identified low-income are listed in the Annual Directory of Designated Low Income-Schools. (See below for a definition of “low-income school”)


  • For questions regarding Teacher Loan Forgiveness, please contact Clara Pfeiffer at or (608) 261-6324.

Loan Cancellation

  • Teacher Loan Cancellation is available for teachers who have Federal Perkins Loans.
  • To meet the eligibility requirements for this program a teacher must have served full-time in a public or nonprofit elementary or secondary school system as a:
    • teacher in a school serving students from low-income families;
    • special education teacher, including teachers of infants, toddlers, children, or youth with disabilities; or
    • teacher in the fields of mathematics, science, foreign languages, or bilingual education, or in any other field of expertise determined by a state education agency to have a shortage of qualified teachers in that state.
  • Information on the federal loan cancellation program is available at Federal Student Aid Information from the U.S. Department of Education.
  • The Wisconsin identified low-income are listed in the Annual Directory of Designated Low Income-Schools.
  • The nationwide listing of teacher shortage areas is posted in the: U.S. Department of Education's Office of Postsecondary Education.
  • The teacher shortage areas designated by Wisconsin for the 2004-2018 school years are:
    o Standard Areas: English as a Second Language (ESL)/Bilingual, Sciences, Library Media, Mathematics, Music, Reading, Foreign Languages
    o Special Education: Cognitive Disabilities, Cross Categorical, Deaf and Hard of Hearing, Early Childhood-Special Education, Emotional and Behavioral Disorders, Learning Disabilities, School Speech and Language Disabilities, Visual Disabilities
    o Career and Technical Education: Business Education, Family and Consumer Education, Technology Education
  • Additional teacher shortage areas added for the 2017-2018 school year are:
    • Career and Technical Education: Agriculture, Marketing Education

Note: Federal Stafford/Supplemental Loans for Students (SLS) borrowers who have questions concerning their loans, including the teacher shortage area deferment should contact the Federal Student Aid Hotline at 1-800-4FED-AID.

Application for cancellation or discharge of a Perkins Loan must be made to the school that made the loan or to the school’s Perkins Loan servicer. Please contact your school for forms and instructions specific to your type of cancellation or discharge.

 Definition of a “Low Income” School

  • The school must be a public or other non-profit private elementary or secondary school that is located in the school district of a local educational agency that is eligible for assistance under Title I of the Elementary or Secondary Education Act of 1965, as amended.
  • A low-income school is one in which more than 30% of its total enrollment is economically disadvantaged students.
  • All elementary and secondary schools operated by the Bureau of Indian Affairs (BIA) or operated on reservations by Indian tribal groups under contract with the BIA qualify as low-income schools.

If you are asked to provide a license verification letter:

Contact the DPI Educator Licensing office to request a verification letter stating that you:

  • Hold a license in a subject shortage area for the current school year; OR
  • Hold a license and are teaching in a low-income school building for the present school term.
  • Include the following information with your request:
    1. Your DPI Entity Number
    2. Your current mailing address

NOTE: The  list of teacher subject shortage categories and the list of low-income schools are generally published around May/June for that particular school year (e.g., in May 2018 for the 2017-18 school year). You cannot request the verification letter before May/June of the current school year. Request the verification letter after the shortage areas and low income schools are announced. If you have applied for a teaching license, you must wait until you have actually received your license before requesting a verification letter.


Financial Assistance for Future Teachers