Student Loan Forgiveness for Military Spouses: How to Get It

Military spouses are eligible for the forgiveness programs available to other federal student loan borrowers, but there is no specific forgiveness program for the spouses of active duty service members or veterans. 

The federal government offers people who served in the Armed Forces access to health care benefits, low-cost home loans, and tuition assistance. Some of those benefits pass to their spouses and dependents. But student loan forgiveness isn’t one of them. There are no student loan forgiveness programs for military spouses offered by the U.S. Department of Education, the Department of Veterans Affairs, or the Department of Defense (DOD).

Lawmakers have introduced laws to try and aid military families burdened with student loan debt over the years. But forgiveness for spouses has been left out of all of these proposals. The only specific benefit to spouses is the ability to access deferment to temporarily pause student loan payments should they lose employment due to an active duty spouse’s permanent change in duty station.

Similarly, neither servicemembers nor their spouses are eligible for forgiveness under the Servicemembers Civil Relief Act. The SCRA simply limits the interest an active duty service member can charge to 6%. Lenders may also continue to charge the contract interest rate for the spouse’s loan unless a servicemember cosigns.

While student loan forgiveness for military spouses isn’t a thing, they can take advantage of other forgiveness programs depending on their career, health, and how long they’ve been paying back their loans.

Related: Military Student Loan Forgiveness

Although there aren’t any student loan forgiveness programs designed specifically for spouses of service members, military spouses can take advantage of the Public Service Loan Forgiveness Program and Income-Driven Repayment Plan Forgiveness. They also can get their student debt forgiven if they become permanently disabled. Here’s how those three programs work.

Public Service Loan Forgiveness

The PSLF Program wipes out your federal loans tax-free after you’ve made 10 years’ worth of qualifying payments while working for the government or nonprofit organization. PSLF qualifying payments are on-time payments made under a qualifying income-driven repayment plan — today that’s Income-Based Repayment (IBR) or the new Repayment Assistance Plan (RAP). The SAVE plan was struck down in court; PAYE and ICR stop counting toward PSLF after June 30, 2028.

Under the PSLF rules now in effect, borrowers who work for a qualifying employer can get credit for late, partial, and lump-sum payments, and for months spent in certain types of deferment or forbearance. Full-time contractors at qualifying public-service employers can also earn PSLF credit.

The public service program only applies to Direct Loans. Some federal loans aren’t Direct Loans. If you have FFEL or Perkins Loans, you’ll need to consolidate them into a Direct Consolidation Loan before they can qualify for PSLF. Read more about how to consolidate student loans for PSLF.

Related: Public Service Loan Forgiveness for Military Service Members

Income-Driven Repayment Plan Forgiveness

Income-Driven Repayment Forgiveness forgives your remaining balance after you’ve made at least 20 years’ worth of payments. IDR plans offer borrowers affordable monthly payments and promise forgiveness after 20 years — or 25 years if your first federal loan was taken out before July 1, 2014.

Few borrowers initially qualified for this debt relief either because they didn’t know about it — or because their loan servicer steered them into forbearances and deferments rather than offering to switch them to an IDR plan.

The Education Department’s one-time IDR account adjustment, completed in 2024, gave borrowers credit toward IDR and PSLF forgiveness for past time in repayment — and for many months spent in deferment or forbearance. Borrowers who had already been repaying for 20 to 25 years saw their remaining balances discharged.

You’re automatically eligible for this debt relief if you have Direct Loans. You may need to consolidate if you have FFEL or Perkins Loans. Visit StudentAid.gov to see what type of loans you have.

Learn More: FFELP Loan Forgiveness

Total and Permanent Disability Forgiveness

Military spouses can get their federal student loans forgiven if they qualify as totally and permanently disabled. They cannot, however, get their debt written off if their spouse served in the military and is now disabled. The Education Department doesn’t offer forgiveness to spouses caring for their disabled partners.

There are three ways to get a total and permanent disability discharge:

• Your physician can sign an application and provide documentation to back up the claim that you have a physical or mental disability that prevents you from working.

• The Social Security Administration determines that you can’t engage in a substantial gainful activity because of your disabilities.

• The Veterans Administration determines you have a service-related injury that’s left you totally and permanently disabled.

The department has begun using data matching to find borrowers with existing disabilities on file with the VA or SSA. Those borrowers won’t need to get a disability discharge.

Learn More: Student Loan Forgiveness for 100% Disabled Veteran’s Spouse

The military won’t pay your spouse’s student loans directly, but you can use your recruitment and enlistment bonuses to pay down their debt. You also can transfer your unused GI-Bill education benefits to your spouse or dependent. Additionally, eligible military spouses can get tuition assistance through the Department of Defense’s My Career Advancement Account Scholarship Program.

A dependent or spouse does not get their student loans forgiven because a veteran is rated 100% disabled. Federal loan forgiveness follows the person who borrowed the money — not a relative’s disability rating. Here’s where that confusion usually comes from, and what actually helps.

A 100% P&T rating doesn’t transfer to anyone else’s loans. Total and Permanent Disability discharge wipes out federal loans based on your own total and permanent disability, documented through the U.S. Department of Veterans Affairs, the Social Security Administration, or a doctor. A veteran’s rating — even 100% permanent and total, or a TDIU (Individual Unemployability) rating — can discharge the veteran’s own loans. It does nothing for a spouse’s or child’s separate balance.

Chapter 35 and the Fry Scholarship are education benefits, not loan forgiveness. The VA’s Survivors’ and Dependents’ Educational Assistance program (DEA, or “Chapter 35”) and the Marine Gunnery Sergeant John David Fry Scholarship help pay for a dependent’s or spouse’s schooling — tuition, and in many cases a monthly stipend paid directly to the student. They lower how much you have to borrow going forward. They do not pay off or forgive the student loans you already owe.

What actually helps a dependent or spouse is the same set of federal programs any borrower can use, applied to their own loans: PSLF if they work for a government or nonprofit employer, income-driven repayment forgiveness after 20 to 25 years of payments, and a TPD discharge if they themselves become totally and permanently disabled. A veteran can also transfer unused Post-9/11 GI Bill benefits to a spouse or child to cut down future borrowing — forward-looking help, not forgiveness of a balance that already exists.

No branch of the military offers student loan forgiveness to military spouses. Some organizations offer scholarships to servicemembers’ immediate family members. The VA also lets veterans transfer their GI-bill benefits to their spouses and dependents. But those options only help to limit the amount of federal and private student loans spouses will need to borrow to pay for their education. It doesn’t offer them any relief from the debt they’ve already racked up.

Military spouses can get their loans forgiven if they meet the eligibility requirements for the forgiveness programs offered by the Education Department.

If you’re not sure which of these programs fits your situation, that’s worth a conversation. Tell us what’s going on and we’ll help you figure out the right path.

UP NEXT: Military and Veteran Student Loan Forgiveness