PA Shortage Subjects - Locations and Loan Forgiveness



15176509715500Pennsylvania Teaching Shortage Areas and Federal Loan Forgiveness ProgramsA list of teacher shortage areas for the 2017-18 school year is posted on Pennsylvania Department of Education’s website along with the names of school districts, charter schools, career and technical centers and intermediate units. Teachers who teach in these subject shortage areas and/or schools may be eligible for loan forgiveness and/or deferment.Subject Shortage AreasSchool Districts with Greatest ShortagesArea Vocational Comprehensive Technology Centers, Charter Schools with Greatest ShortagesIntermediate Units with Greatest ShortagesEnglish as a Second Language PreK-12Fine and Performing Arts PreK-12, including Art, Music, and TheaterForeign Languages PreK-12, including all world languages Hearing Impaired PreK-12Sciences 7-12, including Biology, Chemistry, Earth and Space Science, General Science, and PhysicsMathematics 7-12 Special Education PreK-12Speech and Language Impaired PreK-12Visually Impaired PreK-12Vocational Education 7-12Allentown CityCouncil RockHazleton AreaNorth PennPhiladelphia CityPittsburgh PublicFrederick Douglass Mastery CSLehigh Career and Technical InstituteMastery CS-Gratz CampusOlney Charter HSYork County School of TechnologyCapital Area IU 15Central Susquehanna IU 16Lancaster-Lebanon IU 13Montgomery County IU 23Chester County IU 24Delaware County IU 25PDE encourages prospective PreK-12 teachers to consider teaching in any of the above shortage areas and locations prior to taking out student loans since these may qualify for loan forgiveness or deferment. Teachers who are already teaching in any of these fields or locations may benefit from loan forgiveness or deferment as well.Federal loan forgiveness or deferment programs are described below: Federal Perkins Loans and Direct LoansTeachers, who borrowed money under the Federal Perkins loan or the Direct loan program after July 23, 1992, may qualify for cancellation of up to 100% of their loan—that is, up to $17,500. To be eligible, borrowers must be full time teachers of mathematics, science, foreign languages, bilingual education or any other field of expertise where PDE has determined there is a shortage of qualified teachers. (34 CFR 674.53(c))Loans are cancelled according to this schedule: 15% for year 1 of qualified teaching; 15% for year 2 of qualified teaching;20% for year 3 of qualified teaching;20% for year 4 of qualified teaching; and30% for year 5 of qualified teaching.The Federal Student Aid Office offers descriptions of the Perkins Loan Program. Descriptions can also be accessed at . A full explanation of the “Teacher Cancellation” program for Federal Perkins Loans is also available from the Federal Student Aid Office. A Direct loan is a federal student loan, made through the William D. Ford Federal Direct Loan Program, for which eligible students and parents borrow directly from the U.S. Department of Education at participating schools. Direct Subsidized Loans, Direct Unsubsidized Loans, Direct PLUS Loans, and Direct Consolidation Loans are types of Direct Loans. The Federal Student aid office also provides a brochure comparing these loans.Teacher Education Assistance for College and Higher Education (TEACH) Grant ProgramStudents who have received TEACH Grants are able to fulfill their teaching obligations under this program by teaching in a high-needs field or in the subjects included on the Pennsylvania’s shortage area list. (34 CFR 686.12(d))TEACH Grants provide up to $4,000 per year, for a maximum of $16,000, for undergraduate students and up to $8,000 for graduate study. Recipients must maintain a 3.25 grade point average and agree to teach for at least four years in a high-needs field at an elementary or secondary school that serves students from low-income families. The Federal Student Aid site describes the TEACH Grant Program and provides a Program brochure. Students should be aware that these grants convert into Federal Direct Unsubsidized loans for recipients who do not fulfill their agreements. See for more information.Many colleges and universities in Pennsylvania participate in the TEACH Grant Program. Financial aid offices at each institution provide information about whether a school participates in the TEACH Grant Program and which programs of study are eligible.Federal Family Education Loan (FFEL) Program (Stafford and SLS Loans)Some teachers who borrowed money under a Stafford loan or Supplemental Loans for Students (SLS) loan may defer payments for up to three years while teaching full time in a public or nonprofit private elementary or secondary school in a teacher subject shortage area. Borrowers who took out one of these loans on or after July 1, 1987, and before July 1, 1993, may qualify for deferment of loan repayment at any time within the life of the loan(s). (34 CFR 682.210(b)(3)(iii); 34 CFR 682.210(q)) Federal Direct Loan borrowers who owed an outstanding balance on a Federal Stafford Loan or a Federal SLS loan before July 1, 1993, may also qualify for this deferment on their loan under 34 CFR 685.204(j).Free Application for Federal Student Aid (FAFSA) Application Deadline ApproachesIf you need financial aid to help you pay for college, you must complete the?Free Application for Federal Student Aid?(FAFSA?). The 2017–18 FAFSA is available now!You must complete the FAFSA to qualify for:Federal aid programs—Pell grants, Perkins loans, Stafford Loans, work-study employmentPennsylvania state aid programs—the Pennsylvania State Grant Program, work-study employmentSchool aid programs—private grants, need-based scholarshipsPennsylvania FAFSA Application Deadline All first-time applicants enrolled in a: community college; business/trade/technical school; hospital school of nursing; designated Pennsylvania Open-Admission institution; or non-transferable two-year program must apply by August 1, 2017, by midnight, Central Time. All other applicants must apply by May 1, 2017, by midnight, Central Time. Additional forms may be required.College DeadlinesCheck with the college(s) you are interested in attending. You may also want to ask your college about its definition of an application deadline - whether it is the date the college receives your FAFSA, or the date your FAFSA is processed. The application process is even easier this year. Applicants no longer need to estimate income and tax information. ?Rather, they can retrieve their data directly from the Internal Revenue Service online. ?Also, students now have earlier access to information about their Expected Family Contributions (EFC), helping them as they go through the college application and selection processes.Here are some additional FAFSA resources:?FAFSA Application Website ()7 Things You Need Before You Fill Out the FAFSA 8 Steps to Filling Out the FAFSA 12 Common FAFSA Mistakes 5 Financial Aid Tips for Parents U.S. Department of Education Financial Aid Toolkit? Pennsylvania Higher Education Assistance Agency (PHEAA) and FAFSA ................
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