Every year TEA submits a list of teacher shortage areas by subject matter
and a list of designated low-income schools to the U.S. Department of Education. Teachers with certain types of student loans may qualify for partial
loan forgiveness, deferment, or cancellation benefits.
Eligibility for these
benefits depends on the type of loan the teacher has, the date of his or her first
loan, and whether the teacher serves in a designated low-income school or
subject matter teacher shortage area.
TEA does not determine an educator’s eligibility for teacher loan forgiveness. You will need to contact your loan holder directly regarding the amount of loan forgiveness you will be eligible to receive. The loan holder, not TEA, has authority regarding the provision of that allowance.
You can also contact your loan servicer for additional information. A loan servicer is a company that handles the billing and other services on your federal student loan.
Teacher Shortage Areas
The 2019-2020 teacher shortage areas for Texas are:
- Bilingual/English as a
Second Language - Elementary and Secondary Levels
- Special Education - Elementary and Secondary Levels
- Career and Technical Education - Secondary Levels
- Technology Applications and Computer Science - Secondary Levels
- Mathematics - Secondary Levels
U.S. Department of Education - Teacher Shortage Areas Nationwide 1990-present.
Loan Forgiveness Options
This section explains loan forgiveness options for teachers and all other school staff. Teachers may apply for any of the programs listed
below if the balance of their unpaid federal student loans exceeds the
forgiveness amount and if they meet the requirements of the program. Private
loans are not eligible. If you are not sure what type of loan you have, contact your lender.
Loan forgiveness options for teachers only are as follows:
You must have a federal Perkins loan to be eligible for loan forgiveness. You can start the loan forgiveness process at the
beginning of your first eligible year of teaching service. You must contact
the university that provided the loan.
Loan forgiveness options for all education staff including non-teachers are the following:
If you are a special education teacher, you must have an official at the public or other
nonprofit elementary or secondary school certify that you are teaching
handicapped or learning disabled students. Do this either on the federal Perkins loan postponement and cancellation form or on an official
letter from the school bearing the school's seal or letterhead. For loans made by the Perkins loan program on or after July 23, 1992, this cancellation includes
special education teachers.
If you provide one of the following services, you qualify as a teacher
- you are licensed, certified, or registered by the
appropriate state education agency for the area you provide related
special educational services for,
- and the services you provide are part
of the educational curriculum for handicapped children:
- speech and language pathology
- physical therapy;
- occupational therapy
- psychological and counseling
- recreational therapy
Other Grant and Loan Resources
The programs below are not
affiliated with TEA: