what loans don't qualify for this?
Loans from the Federal Family Education Loan Program, and the Federal Perkins Loan Program don't qualify. They may however, become eligible if you consolidate them into a Direct Consolidation Loan
what is needed to qualify?
You can answer some questions and we'll find out if you qualify.  Are you  employed by a U.S. federal, state, local, or tribal government or not-for-profit organization?