As unions, AFT and AFSCME are fighting to make college affordable and student debt manageable. However, 45 million people in the United States are saddled with student loan debt.

  • Do you or a family member have student loan debt?
  • Are you struggling to make monthly payments or worrying about student loans following you throughout your life?
  • Are you tired of getting phone calls from loan servicers, or concerned about how to tell scams from genuine help when it comes to debt forgiveness?

We hope that this website is a valuable resource for those who need to learn the landscape of free and underused federal programs that help many student loan borrowers lower their monthly payments and, in some cases, even have their debt forgiven.

For AFT and AFSCME affiliates that want to take on student debt as a way to engage members and fight forward on college costs, we also offer Student Debt Clinics where we lay out these programs in detail.

AFT affiliates click here for more information

In a 90-minute session, AFT Student Debt Clinics provide:

  • Information on how to enroll in income-driven student loan repayment programs;
  • Help in enrolling in the Public Service Loan Forgiveness Program;
  • Opportunities to interact with members who haven’t been engaged with their union;
  • A curriculum that demonstrates the power of our union in improving the lives of AFT members and the people in our communities;
  • A resource to help persuade union members to become activists and leaders.

We can help you set up a Student Debt Clinic for your members or prospective members, and can train your members or staff to run these clinics, too.

Contact AFT Higher Education at to start setting up a Student Debt Clinic with your affiliate.

AFSCME affiliates click here for more information

AFSCME is committed to giving our members the tools and resources to help them eliminate their student loan debt.

As part of the AFSCME Strong program, the national union has developed workshop curriculum that affiliates could use to inform their members about the federal Public Service Loan Forgiveness Program. This curriculum is designed for gatherings of all sizes in the union hall, at conferences and in the workplace.

Key components of the AFSCME Student Debt workshops include: identifying  qualifying loans and borrowers, comparing eligible income-driven loan repayment programs, and procedures for enrolling and maintaining eligibility in the Public Service Loan Forgiveness Program.

The national union is available to train affiliates and help establish student debt workshops for them.

For additional information, contact

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