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An Easy Way to Check Your Student Loan Debt Forgiveness Options

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NEA Student Debt Navigator helps you see if you qualify for student loan repayment or forgiveness programs.

Today, educators graduate with about $35,000 of student debt – and add more with advanced degrees. Millions of public servants are eligible to participate in forgiveness programs, but most don’t realize they qualify.

NEA advocates for 100% student loan debt forgiveness for educators, but until that becomes a reality, there are solutions that can help. The NEA Student Debt Navigator, powered by Savi—a company that created an advanced student loan calculator and comparison tool—can help you understand your forgiveness and loan payment reduction options based on your situation.

NEA members using the tool are averaging $2,100 in annual savings on their student loan payments, and they’re gaining a clear understanding of the programs that can help eliminate their debt, such as Public Service Loan Forgiveness and Teacher Loan Forgiveness.

NEA chose to partner with Savi to help NEA members find legitimate options to better manage student loan debt. Through this NEA Student Debt Navigator, you can run your numbers at no cost to see if you qualify for student loan repayment or forgiveness programs.

If you enroll in a repayment or forgiveness program, the Navigator will help you complete the U.S. Department of Education application. You also can e-file to reduce the likelihood of errors that could delay your application’s approval.

As an added benefit just for all NEA members, you have access to Savi’s Student Debt Experts and can e-file all the required paperwork at no cost for the first year because the $89.95 fee is covered, compliments of the NEA Members Insurance Trust.

Visit to get your personalized debt-reduction evaluation.

Tips to make smart borrowing choices

Emergency funds can be a lifeline during a personal financial crisis. So-called “payday loans” can seem like an easy solution, but you may pay a price for getting one.

Payday lenders typically charge exorbitant interest rates, and when you have trouble repaying the loan, you become further trapped in a cycle of debt. This type of predatory lending is so insidious that it’s restricted, or even illegal, in some states.

Go to to see what steps to take if you’ve been a victim of predatory lending, and find information about less-risky loan options.

Plus, sign up for our 4-part “Financial Independence” e-newsletter, free for NEA members, at

As we work to revamp the current Public Service Loan Forgiveness (PSLF) program, we need to hear from educators like you. Fill out our survey and tell us about your experience with PSLF.


Going to college shouldn’t mean going into debt

Take action to make higher education more affordable and accessible.