Student Loan Forgiveness

  • Student Loan Forgiveness and Debt Management

    Horace Mann’s Student Loan Solutions program has helped find over $4.5 million in loan forgiveness for St Paul area educators and over $250 million countrywide. SPPS is pleased to have assistance from Gary Havir, of Horace Mann Insurance, to help our teachers and staff review the loan programs to see if they can qualify, save money, and invest in their futures. Want to know if you qualify? To get started:

    1. Sign up for a complimentary Student Loan Solutions account
    2. Link your loans and complete the Strategy Finder to calculate your estimated loan forgiveness and best repayment plan
    3. Meet with Gary Havir to review your options.

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    Upcoming Webinars

    For all upcoming webinars, visit 

    One-on-one Consultations

    Gary Havir 651-773-6566
    2079 County Road D East, Suite B
    St. Paul, MN 55109 

    Applying for Loan Forgiveness

    Once you’ve reviewed your options and are ready to apply: 

    1. Download and complete the applicable form
      • Click HERE to view the Public Service Loan Forgiveness (PSLF) form – ONLY complete highlighted information on your application.
      • Click HERE to view the Teacher Loan Forgiveness Form – ONLY complete the highlighted information on your application.
    2. Turn in your completed form to Human Resources. To expedite processing, make sure that all of your information is correct before submitting to Human Resources:
      • HR office, 360 Colborne Street, 651-767-8200
    3. Forms are then sent back to you for you to submit and upload through (Refer to instructions on the form).

     Questions? Call 651-767-8200 or email for assistance.