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This is the amount of the academic work you must complete each year, and the time period in which you are expected to complete it, as defined by your school.For example, your school’s academic year may be made up of a fall and spring semester, during which a full-time undergraduate student is expected to complete at least 24 semester hours (usually called credits or credit hours) over the course of 30 weeks of instructional time.

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The total amount it will cost you to go to school—usually stated as a yearly figure.

COA includes tuition and fees; room and board (or a housing and food allowance); and allowances for books, supplies, transportation, loan fees, and dependent care.

Academic years change from school to school and even from educational program to educational program at the same school.

For purposes of the Teacher Loan Forgiveness Program, an academic year is defined as one complete school year at the same school, or two complete and consecutive half years at different schools, or two complete and consecutive half years from different school years (at either the same school or different schools).

Borrowers are not required to pay income tax on loan amounts that are canceled or forgiven based on qualifying employment.