Active-duty forbearance that is military as much as 3 years. Loan Forgiveness Programs Direct Loans meet the criteria for the following forgiveness programs: Closed School DischargePublic Service Loan ForgivenessTeacher Loan ForgivenessTotal and Permanent impairment DischargeDischarge as a result of DeathDischarge in BankruptcyFalse Certification of scholar Eligibility or Unauthorized re Payment DischargeUnpaid Refund DischargeBorrower Defense DischargeConditions make an application for every type of forgiveness system. Find out more about federal education loan forgiveness programs.. Read More