Future Tennessee Teachers Can Now Qualify for Loan Forgiveness with Fewer Requirements
Future Tennessee Teachers Can Now Qualify for Loan Forgiveness with Fewer Requirements
Aspiring Tennessee teachers now have a clearer and more affordable pathway into the classroom. The Tennessee Higher Education Commission (THEC) voted this week to revise the Tennessee Future Teacher Scholarship program, cutting the required teaching commitment in half, from four years to two, for those receiving loan forgiveness awards.
The update, proposed by Tim Phelps of Tennessee Student Assistance Corporation (TSAC), during THEC’s August 7 meeting, aims to attract more candidates to the teaching profession at a time when the state is facing deepening educator labor market challenges, particularly in high-need areas, according to Phelps.
What Is the Tennessee Future Teacher Scholarship?
Launched in 2023 as a five-year pilot initiative, the Tennessee Future Teacher Scholarship offers loan forgiveness for students pursuing initial teacher licensure. The program is designed to address educator staffing challenges by incentivizing service in high-need schools and subjects.
To qualify, applicants must:
· Be enrolled at least half-time in a state-approved educator preparation program.
· Be a junior, senior, or post-baccalaureate student.
· Maintain the GPA required by their program.
· Sign a service agreement (promissory note) committing to teach in a targeted setting—either in a critical shortage subject or in a distressed or at-risk county.
These counties are designated by the Tennessee Department of Economic and Community Development, while subject shortage areas are identified by the Department of Education.
Students may receive up to $3,500 annually through the scholarship until they graduate, become ineligible, or three years pass from their initial enrollment in the program.
Program Performance and Budget Utilization
Despite its potential, TSAC says the program remains underutilized. According to Phelps’ data presented at Thursday’s meeting, less than 1 percent of the program’s allocated funds have been distributed.
“If we are able to expend the full appropriation that we have, then I think that would be a success at this point,” Phelps said during the meeting.
There’s currently $900,000 in available funding per year for the remaining three years of the pilot program, yet application and award numbers remain modest:
What’s New for 2025–26?
The most recent updates to the program include:
· Reduced service commitment: From four years to two years.
· Expanded eligibility: Now open to post-baccalaureate students.
· Set annual award amount: $3,500 per recipient, per year.
Loan Forgiveness In Light of Tennessee’s Mounting Educator Labor Market Challenges
Tennessee's public education system is grappling with a critical teacher staffing challenged landscape, threatening access to high-quality instruction. Between 2021 and 2024, unfilled teaching positions in the state nearly tripled, and as of 2024, 7.8 percent of teaching roles were either vacant or filled by unlicensed individuals.
The challenges are especially severe in:
· Pre-K and special education
· World languages
· STEM subjects
· Rural and high-poverty districts, including areas like Southwest Tennessee, where many students are Black and economically disadvantaged
Supporters say programs like the Future Teacher Scholarship may play a critical role in addressing these systemic gaps by reducing financial burdens and creating more flexible entry points into the profession.
How to Apply
Prospective applicants must submit their scholarship application by the following deadlines:
· Fall Semester: September 1
· Spring Semester: March 1
· Summer Semester: May 1
The application and additional information are available on the TSAC website.
