Student Loan Forgiveness Programs by State

Student loan forgiveness programs are indeed a blessing for those students who have to repay their student loans, even while struggling to make their ends meet. We are here to help you deal with the confusion in choosing the best student loan forgiveness programs by state.

Updated by Theres Ann on 8th June 2019


Several states in the US have different kinds of student loan forgiveness programs for the students based on their career, state of residence, and more. They include different criteria and help in forgiving the remaining loan amount after several years of repayment. 

The student loan forgiveness options include Public Service Loan Forgiveness, Teacher Loan Forgiveness, Death, and Disability Loan Forgiveness, Military Loan Forgiveness and more. The kind of loan forgiveness you get is also dependent on the type on Income-driven plan you're enrolled in. 

States across the US have different student loan forgiveness programs, each catering to its own economy and workforce. The state-wise provisions of the student loan forgiveness programs are given below.


Table of Contents


Arizona Student Loan Forgiveness Programs

The state of Arizona offers several state-specific student loan forgiveness programs. Along with the state-specific loans, the Arizona residents can also make use of several Federal Loan Programs. Upon refinancing with Credible you also get a $200 bonus.

Popular programs offering loan forgiveness programs in Arizona are given below.

Program Name: Primary care provider loan repayment program and Rural private primary care loan repayment program

Offered Amount: The amount offered varies based on profession and time contracted. The range varies from $6,500 per year to $20,000 per year.

Eligibility:

  • Only US citizens and eligible non-citizens can apply to the program.

  • The candidate should have been a resident of Arizona for a minimum of 12 months prior to the application.

  • Must be enrolled in a baccalaureate program at an accredited post-secondary institution. 

Features: Recruitment and retention of health care professionals are promoted. 

Program Name: Joyce Holsey’s ALL (Arizona’s Legal Legacy) Loan Repayment Assistance Program

Offered Amount: Variable

Eligibility:

  • Should be an Arizona Legal Aid Attorney who is employed by one of the foundation’s non-profit organizations.

Features:

  • Joyce Holsey worked towards being a voice to thousands of people who couldn't raise their voices.

  • The amount for the program can vary.

  • The loan repayment programs were established to serve the legal needs of the poor.

The foundation contributions are not left to Arizona graduates.


California Student Loan Forgiveness Programs

The Consumer Financial Protection Bureau states that there are 4.2 million student loan borrowers in California. If an individual work in the public service, then he can opt for a federal loan repayment program.

California State offers exceptional benefits to the people who qualify for the reward of loan forgiveness.

Some of the loan repayment programs that can be considered include the following. 

  • California State Loan Repayment Program

  • Allied HealthCare Loan Repayment Program

  • Bachelor of Science Nursing Loan Repayment Program

  • County Medical Services Program Loan Repayment Program

  • Dental Student Loan Forgiveness Program

  • Teacher Loan Forgiveness Program.

Program Name: Steven M Thompson Physician Corps Loan Repayment

Amount offered: $105,000

Eligibility:

  • Allopathic or Osteopathic physicians can apply.

  • Should not be held by conflicting contractual service obligations.

  • Must be a holder of an outstanding educational loan, from government or commercial lending institution.

  • The borrower should hold a valid, unrestricted license to practice medicine in California.

  • Should be currently employed and should have accepted employment in Health Professional Shortages Area in California.

  • Full-time direct patient care should be granted for a minimum of three years.

Program Name: California State Loan Repayment Program

California State Loan Repayment Program helps to repay qualified educational loans for certain primary health-care professionals. The amount granted would depend on if they are working full-time or half-time.

Amount offered: $50,000

Eligibility:

  • The borrower should hold an active California License to practice

  • Should be a citizen of the United States

  • Should be free from judgments from federal debt.

  • Should not fall into service obligations for other programs.

  • Must not be held for any health service obligation.

  • Should be current on child support payments

  • Hold employment at SLRP eligible site.

  • Should be committed to full-time or part-time service obligations.

The Bachelor of Science Nursing Loan Repayment Program is awarded up to $10,000. For primary Health Care providers, the state of California offers the County Medical Services Program Loan Repayment Program.

Dental Student Loan Forgiveness Program offers several Student Loan debt forgiveness facilities.

The most popular California loan forgiveness programs include Steven M. Thompson Physician Corps Loan Repayment, California State Loan Repayment Program, ad CDA Foundation Student Loan Repayment Grant.

Program Name: California State Loan Repayment Program

Amount offered: Up to $50,000

Eligibility:

  • Should possess a current unrestricted CA license to practice

  • The candidate should be a US Citizen.

  • Should be free from judgments arising from federal debts 

Features:

  • Authorization of repayment of educational loans to health professionals is granted.

  • Must not have any existing service obligations for other programs

  • Shouldn't breach of any health service obligation

  • Be current on any child support payments and should be employed at an SLRP eligible site

  • Commit to full-time or half-time two-year service obligation

CDA Foundation Student Loan Repayment Grant

Eligibility:

  • The candidate should be a graduate from the American dental association

  • Be eligible to practice dentistry in California 

  • The candidate should be a legal citizen or resident of the US 

  • Have outstanding student loans

  • Exhibit at least 30 hours of hands-on dental work per week

  • The candidate should also engage in full-time clinical practice. Moreover, the candidate should meet the licensure standards of the community. 

  • Should not be in default or have a judgment on student loans 

Features:

  • Submit an application packet

  • Sign a binding contract to serve a minimum of 36 months

  • Secure employment with an eligible work site

  • The student loan forgiveness program amount varies based on courses and other criteria.


Colorado Student Loan Forgiveness Programs

Colorado student loan forgiveness programs include the Colorado Health Service Corps, University of Denver Sturn College of Law Loan Repayment Assistance Program and Colorado Law Loan Repayment Assistance Program. Colorado’s student forgiveness programs can grant an amount of up to $90,000.

Program name: Colorado Health Service Corps

Amount offered: $90,000 (full time), $45,000 (part-time) – Physicians and dentists

                           $50,000 (full time), $25,000(part-time)  - Physician assistants, practical nurses, pharmacists, mental health providers,

Eligibility:

  • Doctors of osteopathic or allopathic medicine

  • Clinical pharmacists, dentists

  • Licensed clinical or counseling psychologists

  • Licensed clinical social workers

  • Licensed professional counselors

  • Licensed marriage and family therapists

  • Certified Midwives

  • Nurse practitioners

  • Advance practice nurses

  • Physician Assistants

  • Psychiatric nurse specialists

  • Licensed Addiction Counselors

  • Certified Addiction Counselors

  • Registered dental hygienists

Features:

  • Colorado Health Service Corps is a generous program available to a wide variety of health professionals.

  • After working in a health professional shortage area for three years, physicians and dentists can receive forgiveness of  $90,000 if they work full-time for three years. They are eligible for only $45,000 if they work part-time.

  • Physician Assistants, practical nurses, pharmacists, mental health providers and more receive $50,000 for full-time commitment and $25,000 for part-time commitment.

  • One limitation of the student loan program at Colorado is that if the person has been in default for private student loans for six years or longer then the loans are categorized as time-barred.


Florida Student Loan Forgiveness Programs

The state of Florida has two major student-loan forgiveness programs including Nursing Student Loan Forgiveness Program and the Loan Repayment Assistance Program for Lawyers.

To be a part of the nursing student loan forgiveness program, the candidate should be licensed as an LPN, RN or ARNP and should have loans incurred towards nursing education.

Loan Repayment Assistance Programs for lawyers amounts to $5,000 per year and the nursing student loan forgiveness program amounts to $4,000 per year for 4 years.

Program Name: Nursing Student Loan Forgiveness Program

Amount Offered: Up to $4,000 for four years

Eligibility:

  • The applicant must be licensed as an LPN, RN or ARNP in the Florida state.

  • The applicants should have loans incurred for nursing education.

  • Should work in one of the designated employment sites in Section 1009.96, Florida statutes

Program Name: Loan Repayment Assistance Program

Amount offered: $5,000 per person, per year

Eligibility:

  • Can be used by staff attorneys in government agencies, non-profit organizations, and other public service organizations

  • Should be employed on a full-time basis or an FTE basis part-time basis by a civil legal aid organization, which currently receives grants from the organization.

  • Contract attorneys cannot make use of the benefits of the program.

  • Timely submission of application and supporting materials during the once annual LRAP application period.

  • Admission should be made at the Florida Bar, at the end of the first year after being selected as a participant and also a member of good standing at the Florida bar.

  • If the applicant is currently an LRAP participant, then his abilities should be in full compliance with LRAP requirements.

Florida residents can also make use of other student-loan forgiveness programs including :

  • Teacher Loan Forgiveness

  • National Health Service Corps Loan Repayment Program

  • Public Service Loan Forgiveness

  • Income-driven Repayment Plans.

Teacher Loan Forgiveness Program

By teaching in a low-income school or educational service society consecutively for 5 years, it is possible to receive the Teacher Loan Forgiveness Program.

Teachers who apply for the same should be highly qualified, in a way having a Bachelor’s degree or a full state Certification.

Secondary teachers for Maths, Science and Special Education receive $17,500 as loan forgiveness. Other teachers receive almost $5,000.

National Health Service Corps Loan Repayment Program

National Health Service Corps Loan Repayment Program, offers up to $50,000 for loan repayment.

Primary health providers in health care, medicine, dentistry or mental health receive this type of loan repayment.

Public Service Loan Forgiveness Program

Public Service Loan Forgiveness Program is beneficial for those who work for the government or non-profit agencies for 10 years.

To be eligible to receive this forgiveness, one must have Federal Direct Loans, be enrolled in an income-driven repayment, work full time (at least for 30 hours per week), Make 120 monthly payments in full within 15 days of the due date.


Idaho Student Loan Forgiveness Programs

In Idaho, the loan amount varies based on courses.

The candidate should either be employed or hold an employment contract. Medicare, Medicaid, and health insurance programs should be accepted.

Should agree on the commitment to work at the practice location, to repay the loan.

Must not hold concurrent service obligations. Agree for a site visit during his obligation period.

Public Service Loan Forgiveness Program can be availed after 120 qualifying payments.

Income Based Repayment Loans helps in repayment based on the income received.

Such programs exist for the duration of 20-25 years, after which the loans will be forgiven.

The state focuses on retaining health-care professionals, who are ready to serve in areas that lack proper health-care and medication.

A few of the loan repayment programs in Idaho include:

  • Idaho Area Health Education Center

  • Idaho Rural Physicians Initiative Program

  • State Loan Repayment Program

  • Indian Health Service Loan Repayment Program

  • National Health Service Corp Loan Repayment Plan

  • National Institute of Health Student Loan Repayment 

Program Name: Idaho Student Loan Repayment Program (Program suspended on January 8, 2018). The program is supposed to be relaunched in 2019.

Amount offered: Varies from $2,500 to $12,500 with a total cap rate $10,000 to $50,000.

Eligibility:

  • Health care professionals who agreed to participate in a Health Professional Shortage Area (HPSA) of Idaho.

  • Eligible professions include Primary care physicians, nurse practitioners, physician assistants, pharmacists, psychiatrists, psychologists, dentists, dental hygienists, registered nurses, licensed clinical social workers, and psychiatric nurse specialists.

Features:

  • If a candidate is currently receiving a loan payment or fulfilling another service obligation, then he/she is not eligible to apply.

  • The loan application consists of two parts namely practitioner application and site application.


Illinois Student Loan Forgiveness Programs

Several student support programs are made under the Illinois Student Service Commission. Typically, qualifying borrowers are those who have made an obligation to work in Illinois for a specific amount of time in a field where there is a shortage of workers.

Program Name: Illinois Teacher Loan Repayment Program

Amount offered: The individual dollar amount that is awarded is subject to sufficient annual proportions by the Illinois General Assembly. The appropriation for the 2019 fiscal year is regarded to be $439,000.

Eligibility:

  • Should be a US citizen or an eligible non-citizen.

  • Should be a resident of Illinois

  • Be a borrower with the number of educational loans forgiven under the loan forgiveness program of the federal government.

  • Should hold a remaining balance on your eligible student loans.

  • Should have a completed the five-year teaching obligation in a designated low-income elementary or secondary school in the State of Illinois.

Program name: John R. Justice Student Loan Repayment Program

Amount Offered: varies (an aggregate amount of $60,000 could be granted if federal funding could be received in the future years)

Eligibility:

  • Federal and state public defenders who agree to remain employed for at least three years.

  • The candidate must be continually licensed to practice law.

  • Only full-time employees can apply.

  • Full-time employees of a state or a local government unit or full-time employees of an NGO, who corporate with the state or local government unit to prosecute criminal or juvenile delinquency.

Features:

  • This program is offered to encourage qualified attorneys to choose careers as prosecutors and public defenders.

  • The Grant Program offers loan repayment assistance to local, state and federal public defenders.

Program Name: Veterans’ Home Nurse Loan Repayment Program

Amount offered: Up to $5,000 (for a maximum of 4 years)

Eligibility:

  • Be a US Citizen or an eligible non-citizen

  • Be an Illinois Resident

  • Have an outstanding balance on an eligible loan

  • Be a medical provider whose license matches with the requirements of the Illinois Department of Financial and Professional Regulation.

  • A medical provider whose prescribed employment probationary period is completed and is employed as per the standards set by the Illinois Department of Veteran Affairs.

  • For the year during which an award is received, an entire year is dedicated to becoming Physician, Certified Nurse Practitioner, Registered Professional Nurse, Certified Nursing Assistant or licensed practical nurse.

Features:

  • Recipients are selected from qualified new applicants, along with those who qualify for application renewal.


Kansas Student Loan Forgiveness Programs

Kansas Loan Forgiveness Program is available as Rural Opportunity Zones Student Loan Repayment Program, Kansas State Loan Repayment Program, and the Kansas Bridging Plan. Loan Repayment Programs can be opted by Medical Providers, Dental Providers, and Mental and Behavioral Health Providers.

Along with state-based aids and grants, students can also avail federal loan forgiveness. In the case of multiple private student loans, you can refinance your loan in order to receive a lower interest rate and payment.

Program Name: Rural Opportunity Zones Student Loan Repayment Program

Amount offered: Up to $15,000

Eligibility:

  • Be a resident of the ROZ County after July 1, 2011 and on or after the day in which the County opts the student loan program.

  • Should hold Associates, Bachelors or Masters degree

  • Should have an outstanding student loan balance

Features:

  • The Rural Opportunity Zones include 77 counties which have the authority to receive one or more financial incentives.

  • The incentives are offered to new full-time residents in these counties for up to 5 years or student loan repayments up to $15,000.

Program Name: Kansas State Loan Repayment Program

Amount offered: $25,000 per year

Eligibility:

  • Be a US Citizen

  • Should hold a verifiable student loan that is not in default

  • No extra service commitments

  • No outstanding contractual obligation has to be provided for medical care

  • Should not have been convicted of any felony

  • Be not convicted or disciplined by any licensing agency

  • Must not hold any federal liens

  • Not have current default on court-ordered child support payments

  • Should be employed by designated Health Care Professional Shortage Area Site

  • Should accept the terms of the agreement

Program Name: Kansas Bridging Plan

Amount offered: $26,000

Eligibility:

  • Resident physicians in Family Practice, Internal Medicine, Pediatrics and Medicine/Pediatrics programs in the state of Kansas can apply. However, the program has to be approved by the Kansas State Board of Healing Arts.

  • Till all the loans are committed applicants are enrolled in numeric order.

  • Upon completion of residency training, the residents are encouraged to practice in a rural community.

The physicians and dentists are eligible to receive up to $25,000 to repay outstanding educational debt.

The other health professionals receive almost $20,000 annually. The program website holds all the information about the checklist, forms, and site-applications.

The ROZ Student Loan Application

National Health Service Corps Loan Repayment Program - This program enables America’s eligible medical practitioners to work for the underserved communities in the United States. The program also helps in building communities.

Nursing Education Loan Repayment Program grants incentive to nurses to start and/or continue to practice in those areas with less number of practitioners.

Nursing Education Loan Repayment Program helps in the recruitment and retention of professional nurses so as to recognize their interest to work in an underserved population.

For a 2-year service commitment, the NELRP pays 60% of the applicant’s loan balance.

Indian Health Service Health Centers, Native Hawaiian Health Centers, Public Hospitals, Migrant Health Centers, Community Health Centers, and Rural Health Clinics employ the NELRP Participants.


Kentucky Student Loan Forgiveness Programs

To obtain the Kentucky State Loan Repayment Program, the candidate has to be a US Citizen, and should not have any other existing service commitment. The candidate should not be convicted of any felony and should not have any federal liens.

The candidate should be employed by a dedicated health care professional shortage area site.

Physicians, physician assistants, nurse practitioners, certified midwives, registered nurses, dentists, midwives, social workers, clinical counselors, health service psychologists, family therapists, psychiatric nurses, Counselors, Pharmacists, and similar professionals are eligible to apply for the State Loan Repayment Program.

Eligibility:

  • The basic eligibility is that the candidate has to be US citizen

  • Hold a valid license to practice in Kentucky

  • Should have verifiable student loans that are not in default

  • Must not have any other existing service commitment

  • Should not have any contractual obligation to provide medical care

  • Be not convicted of any felony

  • Should not be convicted by any state or licensing agency

  • Do not have any federal liens

  • Must not have current default on any court ordered child support payments

  • Should be employed by a designated Healthcare Professional Shortage Area Site

  • Should accept the terms of the agreement


Louisiana Student Loan Forgiveness Programs

Louisiana Student Loan Forgiveness Programs  include:

  • Louisiana State Loan Repayment Program

  • John R. Justice Student Loan Repayment Program

  • Louisiana Bar Foundation Loan Repayment Assistance Program.

Program Name: Louisiana State Loan Repayment Program

Amount offered: $30,000 (Physicians and Dentists) and $15,000 (Other professions)

Eligibility:

  • Have worked in federally designated HPSA

  • Should work for a public or non-profit entity

  • Work full-time in an outpatient capacity

  • Accept Medicare and Medicaid assignments

  • Have a considerate fee-scale for low-income uninsured families

  • Be a United States Citizen

  • Should be licensed to practice in Louisiana

  • Should not have any other obligation for health professional services

  • Have no default on educational loans

  • Should not breach a health professional service contract

Features:

  • Aimed to encourage, primary care providers, to serve in a Health Professional Shortage Area

  • Applications are usually accepted from April 1 to June 30.

Program name: John R Justice Student Loan Repayment Program

Amount offered: Annual award of up to $4,000

Eligibility:

  • The candidate must be US Citizen or an eligible non-citizen

  • Hold outstanding balance on an eligible FFELP, Direct Educational Loans, and Federal Perkins Loans

  • State and Federal Public defenders and state employers in Louisiana who agree for employment as public defenders and prosecutors for a minimum of three years.

Features:

  • The applications for the program are accepted by the Louisiana Office of Student Finance Assistance

  • Eligible prosecutors and public defenders in the state can submit their applications between January 1 and April 30.

To avail the state loan program the applicant must be a citizen of the United States, should have an unrestricted license to practice, should not have faced criminal conviction of felony act and should have verifiable student debt.

Bar foundation loan assistance program provides loan assistance to those candidates who are ready to provide services to other underserved or vulnerable members of the community.


Maine Student Loan Forgiveness Programs

Maine offers debt relief to graduates who live and work in the state. Being one of the states with the oldest populations, Maine offers tax credits to student loan borrowers in order to attract young workers.

Various Student Loan Forgiveness Programs of Maine State include :

  • Educators for Maine

  • Maine Health Professions Loan Program Forgiveness

  • Maine Veterinary Medicine Loan Program Forgiveness

  • Maine Dental Education Loan Repayment Programs

  • Maine Bar Foundation Loan Repayment Assistance Program.  

Various professionals who are eligible for loan forgiveness include educators, graduate specialists with certification, Childcare providers and many more. Moreover, this forgiveness program is for those who work in the state.

The state even offers loan credits to those who work in the state. This initiative is for meeting the workforce needs of the state which is currently unmet. The loan forgiveness program encouraged people to stay in the state even after they have completed their education so as to meet the workforce requirements of the state.

In order to apply for loan forgiveness, the standard procedure involves the following steps:

  • Documentation Submission to FAME

  • Eligibility review and approval of FAME submission

  • Reception of Employment verification form 

As per the reports of the Consumer Financial Protection Bureau, nearly one-fourth of the American Workforce is eligible for repayment or, loan forgiveness programs. Though forgiveness programs are a relief, there are costs to be considered while choosing the forgiveness programs.

Sometimes forgiven loans may be taxable, some other times forgiveness is not an option for defaulted loans.

Consolidation or rehabilitation has to be used to get defaulted loans in good standing.

If the loan hasn’t qualified for forgiveness, student loan forgiveness or bankruptcy can reduce the debt in severe cases.

Program Name: Educators for Maine

Amount offered: Variable

Eligibility:

(For Teachers)

  • Have a certification from the Maine Department of Education

  • Should be employed at Maine Public Elementary or secondary school

  • Have employment for jobs with Maines Graduate Specialist with the necessary Teacher Certification

  • Be employed as an elementary or secondary teacher, specialized subject teacher, vocational or industrial arts teacher and more.

(For Child Care Providers)

  • Hold certification in child development, early childhood education, early childhood development, health and human services, special education from birth and more

  • Should be employed in a child care facility.

Program Name: Maine Health Professions Loan Forgiveness Program

Amount offered: variable

Eligibility:

  • Completion of Maine Primary Care Residency and Practice of primary care in a health care professional shortage area or should offer services to an underserved group.

  • Completion of Maine Primary Care Residency

  • A physician practicing in an underserved specialty

  • Physician granting service to a designated and underserved group

  • Veterinarians providing service to Maine residents with insufficient veterinary service.

Program Name: Maine Veterinary Medicine Loan Program Forgiveness

Amount offered: Variable

Eligibility:

  • Full-time veterinary medicine practice in areas of Maine with insufficient veterinary services

  • Devoting 20 hours per week for veterinary care and in the case of devoting less than 20 hours, you need to spend at least 10 hours for veterinary care.

Program Name: Maine Dental Education Loan Repayment Program

Amount offered: Maximum 25% of the original indebtedness

Eligibility:

  • Practice primary dental care in an eligible dental facility in an underserved area.

  • Provide documentation of primary dental care practice

Program Name: Maine Bar Foundation Loan Repayment Assistance Program

Amount offered: Up to $50,000 per year

Eligibility:

  • Attorneys employed on the application date by a participating Non-Profit Organisation

  • This program is intended to be a legal aid to the deserving under-privileged with outstanding law school loans. Eligible part-time attorneys receive assistance on a pro-rated basis.


Maryland Student Loan Forgiveness Programs

Maryland Student Loan Forgiveness Program is granted as Maryland Smartbuy HomeBuyer Assistance and Forgiveness Programs.

The amount ranges up to 15% of Home Purchase Price and includes a minimum of $1,000. Janet L. Hoffman Loan Assistance repayment program along with the Nancy Grasmick Teacher Award and the Maryland Dent-Care Loan Assistance Repayment Program are the various other Loan Forgiveness Programs of the Maryland State.

Program Name: Maryland Smart Buy home Buyer Assistance and Forgiveness Program

Amount offered: Up to 15% of the home purchase price and a minimum of $1,000.

Eligibility:

  • Should purchase a home owned by the State of Maryland.

  • Should hold a minimum remaining balance of student loan debt of $1,000 and a maximum 15% of the sales price.

  • The loan must be in repayment or deferment

  • As part of closing, the outstanding balance of student debt must be paid off.

Features:

  • For at least 5% of down payment, the state provides 15% of the purchase price towards outstanding student loans.

  • The remaining balance is paid in full within the closing date.

Program Name: Janet L Hoffman Loan Assistance Repayment Program

Amount offered: Variable

Eligibility:

  • Should have earned a degree from the college in Maryland, from a law school or a resident teacher certificate from the Maryland State Department of Education.

  • Be employed full-time in a state or local government or a non-profit organization in Maryland.

  • The employer should offer help to low-income, under-served residents or underserved areas in the state.

  • Loans must not have defaulted.

  • The annual gross salary should not exceed $60,000.

  • Even after marriage, the annual gross salary should not exceed $60,000. Moreover, the combined salaries should not exceed $130,000.

  • For a nurse faculty member, the annual gross salary should not exceed $75,000.

  • The annual gross salary, after the marriage of a nurse faculty member, cannot exceed $75,000 and the combined salaries cannot exceed $160,000.

Program Name: Nancy Grasmick Teacher Award

Amount offered: Variable

Eligibility:

  • Meet the Janet L Hoffman LARP requirements.

  • Teach Science, Technology, Engineering and Maths subjects. Instead, they can teach in a school with at-least 75% of students enrolled in a free meal program in the state for 2 years.

  • Should have received the highest performance evaluation rating for the most recent year in the county that the teacher has taught.

Program Name: Maryland Dent-Care Loan Assistance Repayment Program

Amount offered: Up to $23, 740 per year, for over 3 years

Eligibility:

  • Should serve at least for three years in a full-time eligible dental practice site

  • Should treat a minimum of 30% of MMAP recipients as a portion of the total patient population.

  • Should enroll with Maryland Healthy Smiles Program

Features: 

  • Should keep records of the patients who are treated.

  • Should provide monthly written reports to the Office of Oral Health.


Mississippi Student Loan Forgiveness Programs

Mississippi Teacher Loan Repayment Program is the Loan Forgiveness Program for the Mississippi State.

Mississippi has one student loan forgiveness program that is offered to the state of Mississippi.

Eligibility:

  • Hold Mississippi Alternate Route Teaching License

  • Hold Teaching position in Mississippi, public school located in teacher or subject shortage area

  • Have undergraduate student loans in your area

  • Not in default or delinquent on Federal, State or local Educational Loan

  • Should not receive funds from the Critical Needs Teacher Loan/Scholarship Program or the William Winter Teacher Scholar Loan Program

The program pays up to $3,000 for a maximum of four years per year of teaching in a critical geographical or subject area.

Perkins loans and graduate level loans do not qualify for loan forgiveness through MTLR Program. 


Montana Student Loan Forgiveness Programs

The student-loan forgiveness programs of Montana include quality educator loan assistance program, rural physician incentive Montana, and Montana institutional nursing program.

To become eligible to apply for quality educators program, the candidate should hold a valid educator license, or should be an education cooperative, should be a part of Montana Youth Challenge Program, or a state youth correctional facility.

He/ She must be a full-time educator.

Program Name: Physician Loan Forgiveness

Amount offered: Up to $100,000

Eligibility:

  • Be a US Citizen

  • Be a legal resident

  • Hold a medical doctoral degree

  • Hold license to practice in the state of Montana

  • Hold medical education loans under the individual’s name

  • Loans placed under US based lenders or loan companies

  • Eligible for full privileges at a designated hospital meeting rural criteria

Program Name: Educator Assistance Program

Amount offered: Up to $3,000 per year for four years

Eligibility:

  • Allow evaluation based on loan assistance program scoring system

  • Be a full-time educator

  • Work in a qualifying institute in Montana including the proper licensure for each

  • Teach in a region or subject matter underserved in Montana

  • Teach in an under-served school district. This applies not just for financial struggles but educational challenges as well.

Program Name: Nursing Loan Forgiveness Program

Eligibility:

  • Hold a nursing license for the state of Montana

  • Employed as a professional nurse in a qualifying institute such as state-run prison or hospital

  • The debt must be a minimum of $100,000 or more.

The applicants must submit proof of educational loan balance. 


Nebraska Student Loan Forgiveness Programs

The state of Nebraska offers promising forgiveness programs for the members of its state. Students who make use of the Student Loan Forgiveness Programs of the state can also make use of the Forgiveness of the Federal Government.

Program Name: Nebraska Student Loan Repayment Program

Amount offered: Up to $40,000

Eligibility:

  • Nurse Practitioners, Physicians, Physician Assistants, General intern medicine, General Pediatrics, Obstetrics, Gynecology, General Surgery, and Psychiatry are eligible to apply for the Nebraska Student Loan Repayment Program.

  • Some of the other professions eligible for the program include General Dentistry, Pediatric Dentistry, Oral Surgery, Clinical psychologists, Pharmacists, Occupational therapists, physical therapists and more.

  • Hold a non-provisional license

  • Should not be in residency training

Teacher Loan Forgiveness for Perkin Loans and Early Childhood Educator Loan Forgiveness are the other Forgiveness Programs available under the state of Nebraska.


Nevada Student Loan Forgiveness Programs

The loan forgiveness program of Nevada also varies based on courses.

The candidate applying for loan repayment should agree on a full-time clinical practice at the Nevada Health Service Corps.

Moreover, Teacher Loan forgiveness programs encourage individuals to choose and remain in the teaching profession.

A list of teacher shortage areas is submitted to the Nevada Department of Education.

Applicants can choose to teach in any of these areas in order to avail the loan forgiveness.

He/She must not also have any restriction on State Licensure.

Program Name: Nevada Health Service Corps

Amount: Varies

Eligibility:

  • Candidate should be in the qualifying health profession

  • Should have a license to practice in Nevada

  • There shouldn’t be any restriction on DEA certificate

Features:

  • NHSC was established in 1989, and created areas of under-Service inside the State and practitioners were matched to those areas of need.


New Hampshire Student Loan Forgiveness Programs

New Hampshire has till date offered several student loan forgiveness programs for its residents. The residents can make use of the State forgiveness programs and Federal forgiveness Programs. New Hampshire Loan Repayment Programs include: 

  • New Hampshire State Loan Repayment Program

  • New Hampshire Bar Foundation Loan Repayment Programs and more.

As in the case of the other loan replacement programs the applicants have to be Citizens of the United States and must agree to work full-time or part-time for the State of New Hampshire.

Program Name: New Hampshire State Loan Repayment Program

Amount offered: Up to $75,000

Eligibility:

  • Must be US Citizens

  • Do not hold any un-served obligations for service, to a governmental or a non-governmental agency.

  • Must be licensed in the State of New Hampshire

  • Should be ready to begin full or part-time clinical practice at an eligible site

Features:

  • SLRP grants funds to health care professionals granting funds in areas of State designated as medically underserved.

Program Name: New Hampshire Bar Foundation Loan Forgiveness Program

Amount offered: Variable

Eligibility:

  • Qualifying attorneys can apply


New Jersey Student Loan Forgiveness Programs

New Jersey Loan Forgiveness Programs include John R. Justice Federal Student Loan Redemption Program, Primary Care Physician and Dentist Loan Redemption Program, and Nursing Faculty Loan Redemption Program are the loan forgiveness programs of the state.

Program Name: John R Justice Federal Student Loan Redemption Program

Eligibility:

  • Must work full time as an eligible prosecutor or a public defender

  • Should hold student loan debt in good standing with the lender

  • Should hold service agreement that commits to remain employed as a defender or prosecutor for three years

Program Name: Primary Care Physician and Dentist Loan Redemption Program

Eligibility:

  • Be a resident of New Jersey State

  • Have a license to practice in New Jersey State

  • Should have an undergraduate medical school, dental school or primary school professional school faculty member recommendation for program participation

  • The contact should be executed for a minimum of three years including a 6-month probationary period

  • A physician should have completed an accredited residency training program and should receive a recommendation from the director of the training program, regarding participation in the loan redemption program.

  • Make an agreement to practice primary care medicine, dentistry or other primary care professions in a State designated underserved area

  • Should not default on qualifying student loan

  • Should start the service within two years of training completion or residency.

Program Name: Nursing Faculty Loan Redemption Program

Eligibility:

  • Should reside in New Jersey and should also hold a domicile in the state.

  • Should obtain a degree from the approved graduate degree program

  • Maintain a 3.0 GPA or higher on a 4.0 scale or an equivalent score while enrolling in an approved graduate degree program

  • Be hired for full-time faculty employment on or after July 1, 2010, at the State of New Jersey School of Nursing. The candidate should be employed within one year after the completion of an approved graduate degree program.

  • Completion of five years of employment as a full-time nursing faculty at the State of New Jersey, School of Nursing.

  • Hold outstanding balance with State or Federal Student Loan Program. They should not be in default on any student loan.


New York Student Loan Forgiveness Programs

The State of New York also offers several Student Loan Forgiveness Programs. Even if the students have made use of the State’s Loan Forgiveness Program, they can also make use of the Federal Loan Forgiveness Programs.

Loan Forgiveness Programs of the New York State include the following - 

  • District Attorney and Indigent Legal Services Attorney Loan Forgiveness Program

  • NYS Licensed Social Worker Loan Forgiveness Program

  • Nursing Faculty Loan Forgiveness Incentive Program

  • New York State Young Farmers Loan Forgiveness Incentive Program

  • Regents Physician Loan Forgiveness Award Program

  • Albany Law School Loan Repayment Assistance Program

  • Physician Loan Repayment- Qualified Educational Loan Repayment

  • New York City Loan Forgiveness Program

  • Steven C Krane Loan Assistance for the Public Interest Program. 

Program Name: District Attorney and Indigent Legal Services Attorney Loan Forgiveness Program

Eligibility:

  • Must be legal residents of the United States

  • Must be a US Citizen or an eligible non-Citizen

  • Should be employed as District Attorney, Assistant District Attorney, or Indigent Legal Services Attorney in New York for at least four years and not more than nine years.

  • Hold an outstanding balance on eligible student loan debt.

  • Should have a year of qualified service

  • Should not be in default on student loan

  • Be in compliance with conditions of NYS award.

Program Name: NYS Licensed Social Worker Loan Forgiveness Program

Eligibility:

  • Legal residents of New York State for minimum one year.

  • US Citizens or eligible non-citizens

  • Social Workers licensed to practice in the New York State

  • Hold outstanding balance on eligible loan debt

  • Have a year of qualified service

  • Not in default of a student loan made under the NYS.

  • Fall in compliance with the service term imposed by NYS award

Program Name: Nursing Faculty Loan Forgiveness Incentive Program

Eligibility:

  • Legal residents of New York State for a year

  • US Citizen or eligible non-citizen

  • Registered Nurse with license to practice in New York State

  • Have a Masters degree in Nursing or a doctoral degree to become a Nursing Faculty or an Adjunct Clinical Faculty

  • Have prior clinical experience as a licensed registered nurse

  • Have an outstanding balance on eligible student loan debt

  • Prior clinical experience as a registered nurse

  • Should have a year of qualified service

  • In compliance with the service conditions of NYS Award

Program Name: New York State Young Farmers Loan Forgiveness Program

Amount offered: $50,000

Eligibility:

  • Legal Residents of New York State

  • US Citizens or eligible non-citizens

  • Obtain under-graduate degree from NYS college or university

  • Have an outstanding balance on eligible student loan debts

  • Application to the program within two years after graduation

  • Farm operation on a full-time basis

  • Agreement to operate a farm in New York State on a full-time basis at least for five years.

  • Should not be in default on student loan under NYS or Federal Education Loan Program or the repayment of NYS Award

  • Agree for terms of service imposed by NYS award.

Program Name: Regents Physician Loan Forgiveness Award Program

Amount offered: $10,000 per year for two years

Eligibility:

  • Applicants should receive the license to practice in New York State

  • Complete a professional residency program within five years, immediately preceding the duration for which the award will be granted or complete training in accredited residency program in family practice, pediatrics, internal medicine, emergency medicine, or obstetrics. Sometimes psychiatry can also be considered as primary health care.

  • Applicants must be residents of New York State

  • Legal citizens or legal refugees can also apply to the program

Program Name: Albany Law School Loan Repayment Assistance Program

Amount offered: Up to $10,000 per year (3 years)

Eligibility:

  • Graduated from Albany Law School on or after May 2012

  • Full-time employment of at least 35 hours per week

  • Public interest law-related position

  • Countable assets should be less than the unpaid balance and less than $10,000 after allowable asset deduction

  • Have adjusted gross income

  • Minimum principal law school balance of $50,000

  • If only the adjusted annual gross income minus deductions shall qualify.

  • Should have exhausted other means of assistance

  • Should not be in default on any educational loans

Program Name: Physician Loan Repayment

Amount offered: Up to $150,000

Eligibility:

  • US Citizen or a holder of l-155 or l-551 card.

  • Should be licensed to practice in the New York State by the time the service obligation begins at the latest.

  • Should not work or serve in an under-served area in New York State, where the service to underserved area began prior to July 10, 2010.

  • Would not want to fill an obligation under the state or federal loan repayment program so that no coinciding would happen with any DANY obligation.

  • In good standing with the Department Office of Professional Good Conduct.

  • Must not be an employee of a federally operated facility.

Program Name: New York City Loan Forgiveness Program

Amount Offered: Variable

Eligibility:

  • Have in-hand an appropriate New York State Initial, or Provisional Certificate that corresponds to the shortage areas.

  • Possession of bilingual extension to the certificate in the case of bilingual areas. If in case, these certificates are not available they can also make use of the official letter from the college/university indicating satisfactory completion of State Approved Education Program.

  • Proof of US Citizenship or Permanent Residency

Program Name: Steven C Krane Loan Assistance for Public Interest Program

Amount offered: Up to $4,000 yearly

Eligibility:

  • Have a JD from an ABA accredited law school, be admitted to the State Bar, in order to practice public interest or government law for 5 years and be a member in good standing.

  • Should be employed for at least 35 years per week at a qualified work-site

  • Should hold qualifying loans

  • Meet income guidelines


North Carolina Student Loan Forgiveness Programs

North Carolina Student Loan Forgiveness is granted in programs including Forgivable education loans for service, North Carolina State Loan Repayment Program for Mental Health Professionals and NC Leaf Loan Assistance Repayment Program.

North Carolina State Loan Repayment Program for Mental Health Professionals grants a maximum amount of $30,000 whereas the amount for others can vary. Forgivable Education Loans for Service is provided to those students who are committed to working in a critical shortage employment profession after college.

The candidate must be enrolled in an eligible school and an approved program. An amount of $20,000 can be granted for forgivable loans and doctoral candidates can borrow up to $56,000. One year’s loan amount is forgiven for each year’s service.

  • Public Service Loan Forgiveness

  • Teacher Loan Forgiveness

  • National Health Service Corps Loan Repayment Program

  • Nurse Corps Loan Repayment Program

  • Forgiveness From an Income-Driven Repayment Plan

  • Student Loan Discharge for Qualifying Reasons are other important schemes available to the aid of students at North Carolina 


North Dakota Student Loan Forgiveness Programs

The residents of the state can make use of the several loan forgiveness programs offered by both the state as well as the Federal Government. 

North Dakota Loan Forgiveness is available across 3 programs namely:

  • STEM Occupations Student Loan Program

  • Teacher Shortage Loan Forgiveness Program

  • North Dakota Dental Loan Repayment Program.

Program Name: North Dakota Student Loan Program

Amount offered: Recipients are offered $6,000 as a lifetime award. Annual awards vary based on the applications received.

Eligibility:

  • Graduates who completed a STEM-related program at an approved college, and has earned a cumulative GPA of 2.5 or higher.

  • Applicants must have a gross annual income of $60,000 or less.

  • Recipients must be employed full time in a board-approved STEM occupation for a minimum of 12 months in North Dakota.

Features:

  • The number of loan forgiveness programs is contingent upon legislative proportions.

  • Qualified Applicants are not assured funding

Program Name: North Dakota Dental Loan Repayment Program

Eligibility:

  • Dentists who serve in public health clinics

  • Dentists who practice with focus on the underserved population.

  • Dentists who work in a non-profit clinic

The amount granted ranges to a maximum of $80,000. Delta Dental Loan Repayment for Service Program is the Loan Forgiveness Program of South Dakota.

The amount granted can grow to a maximum of $100,000.

The graduates who work in STEM-Related occupations and meet the defined qualifications are offered opportunities in the STEM Occupations Student Loan Program.


Ohio Student Loan Forgiveness Programs

Student loan forgiveness is granted in Ohio State in programs including John R. Justice Loan Repayment Program, and, Ohio Dental Loan Repayment Program. 

To receive the John R Justice Repayment Program funding, the candidate must be employed in the state.

The candidate must be employed full-time and must bear a license to practice law.

The Ohio Dental Loan Repayment Program, agree to provide care in those areas.

The John R Justice Repayment Program offers an amount up to $1,054. The beneficiary should be employed in his/her respective JRJ funded state.

The beneficiary should be licensed to practice law.


Oregon Student Loan Forgiveness Programs

Most jobs have different criteria while applying for student repayment programs. The loan forgiveness programs account to $35,000 of 50% of qualifying loan balance. The Oregon office of health has received site qualification.

The professionals who qualify for the student loan forgiveness program include:

  • Physicians

  • Nurse Practitioners

  • Dentists

  • Dental Hygienists

  • Physician Assistants

  • Pharmacists

  • Psychiatrists

  • Licensed Marriage and Family Counselors

  • Licensed Professional Counselors

  • Clinical Psychologists

  • Licensed Clinical Social Workers.

The amount offered can range up to $7500 for almost 3 years.

This is a program to attract and retain public service lawyers.

The eligibility criteria to obtain loan forgiveness are given below.

  • The candidate should have quality employment.

  • The applicants must hold a license to practice in Oregon.

  • If the borrower has a salary greater than $65,000 at the time of application, then he is not eligible to attain loan forgiveness.

This program is particularly aimed at retaining high-quality providers who serve patients irrespective of their ability to pay.

Dentists, Hygienists, Pharmacists, nurse practitioners and more are a few of the licensed professionals who are eligible to attain loan forgiveness.

Unlicensed provider types of the Oregon forgiveness Program include Clinical Social Workers, Counseling or Clinical Psychologists, professional counselors, marriage and family counselors.

A local health professional shortage area is an eligible practice site for licensed and unlicensed provider types.


Pennsylvania Student Loan Forgiveness Programs

Pennsylvania Loan Forgiveness includes programs such as the following.

  • Pennsylvania Primary Care Loan Repayment Program

  • Pennsylvania Bar Foundation – PA IOLTA Board Loan Repayment Assistance Program and more.

Pennsylvania Primary Care Loan Repayment Program amounts up to $100,000 and the Pennsylvania Bar Foundation – PA IOLTA Board Loan Repayment Assistance Program offers a varying amount.

The candidate must take part in Medicaid, Medicare and the Children’s Health Insurance Program. The candidate must be licensed to practice in Pennsylvania and must be employed by an LR approved state.

Program name: Pennsylvania Primary Care Loan Repayment Program

Amount offered: Up to $100,000

Eligibility:

  • Be a US Citizen

  • Take part in Medicare, Medicaid, and the Children’s Health Insurance Program

  • Have a license to practice in Pennsylvania

  • Employed by LRP approved site

Features:

  • Grant aid to the primary care practitioners who serve in medically underserved areas.

  • Have a license to practice in Pennsylvania

  • Have employment from an LRP approved site

Program name: Pennsylvania Bar Foundation –PA IOLTA Board Loan Repayment Assistance Program

Amount offered: Variable

Eligibility:

  • Have a license to practice in Pennsylvania or got permission to practice law under Bar Admission Rule 311.

  • Hold Pennsylvania Supreme Court Identification number.

  • Gross salary should not exceed $66,000.

  • The qualifying educational debt must be in repayment.

Features:

  • Aid attorneys working at IOLTA funded legal services organizations

  • Help in recruiting and retaining the best and brightest attorneys for public service.


Rhode Island Student Loan Forgiveness Programs

Rhode Island is a US State in New England and offers several loan forgiveness programs to its residents. Apart from the State's loan forgiveness programs members can also make use of the Federal Student Loan Forgiveness Programs. 

Program Name: Primary Care Practitioner Loan Forgiveness Program

Amount offered: Up to $20,000 each for four individuals (Physician)

                           Up to $10,000 each for four individuals (Nurse Practitioner and Physician Assistants)

Eligibility:

  • Be a licensed Physician, Nurse Practitioner, Physician Assistant

  • Should be recruited to Rhode Island to practice Family Medicine, Internal Medicine, or Pediatrics

Program Name: Health Professional Loan Repayment Program

Amount offered: Varies for each applicant

Eligibility:

  • Physicians working in family medicine, osteopathic general medicine, internal medicine, pediatrics, gynecology, geriatrics, Psychiatry and more.

  • General Practice Dentists, Pediatric Dentists,

  • Primary Care Certified, Nurse Practitioners, Certified Nurse Midwives, Primary care physician assistants

  • Health Service Psychologist, Licensed Clinical Social Workers

  • Psychiatric Nurse Specialists

  • Mental Health Counselors, Licensed Professional Counselors

  • Marriage and Family Therapists, Registered Nurses, Pharmacists

Features:

  • The program is sponsored by the Rhode Island Department of Education

  • Repayment assistance is offered to primary care, dentistry, and mental health professionals.

  • Full-time practitioners need to sign a 2-year service agreement.

Program Name: Nurse Educators Loan Forgiveness Program

Amount offered: $5,000 per year for 4 years

Eligibility:

  • Applicants should be Nurse Educators who got hired after April 1, 2012, so as to teach on a degree-granting institution in Rhode Island.

  • The institution should be licensed by the Rhode Island Board of Nursing Registration.

Features:

  • The program is funded by the Rhode Island Student Loan Authority.

  • Loan Repayment Assistance is granted in exchange for Service Commitments by Nurse Educators.

Program Name: Wavemaker Fellowship

Amount Offered: Varies

Eligibility:

  • The candidates should be working in the STEM (Science, Technology, Engineering, and Mathematics) and design field in Rhode Island.

Features:

  • The aim of the program is to retain the best talent in Rhodes Island and hence facilitate a robust talent pool for the growing business.

  • The candidates who are qualified to receive the program get a refundable tax credit which is equal to the value of annual student loan up to four years.

  • Candidates can also take part in several personal and professional development programs, social and professional networking communities and more.


South Carolina Student Loan Forgiveness Programs

South Carolina Student Loan Forgiveness is available as Public Interest Law Loan Forgiveness Fund and to receive it the candidate should have passed from the USC School of Law. The amount granted varies.

One program where student loan forgiveness happens in the State of Georgia is the Physicians for Rural Areas Assistance Program. The amount granted can range up to $25,000 yearly to a maximum of $100,000.

Program Name: South Carolina Loan Forgiveness Programs

Amount offered: Variable

Eligibility:

  • Graduated from USC School of Law

  • Be continuously employed in Public Interest Law for at least 2 years

Features:

  • Grant financial assistance to graduates of School of law, and later obtain employment in Public Interest Law.


Texas Student Loan Forgiveness Programs

Texas Student Loan Forgiveness Program is available as:

  • Border County Doctoral Faculty Education Loan Repayment Program

  • Loan Repayment Program for Speech-Language Pathologist and Audiologists

  • Nursing Faculty Loan Repayment Assistance Program

  • Physician Education Loan Repayment Program

  • David’s Foundation of Public Health Corps Loan Repayment Program

  • Teach for Texas Loan Repayment Assistance Program

  • Texas Student Loan Repayment Assistance Program

To receive the full amount for physical education loan repayment program, the candidate has to be certified in any of the specialties such as Family Medicine, Internal Medicine, Pediatrics, Obstetrics, Gynecology, Psychiatry, or Geriatrics.

For Mathematics and Science Scholars Loan Repayment Program the candidate should have completed a program in Math or Science with a cumulative GPA of 3.5 and should hold a contract to teach full-time in a classroom at a Title I School.

Program Name: Texas Student Loan Repayment Assistance Program

Amount offered: Up to $4,800 yearly

Eligibility:

  • Work full-time for any Texas legal aid program

  • The legal aid program should either be a recipient of Texas Access to Justice Foundation funds, or recipient of Legal Services Corporation fund, or Texas non-profit granting civil legal services.


Vermont Student Loan Forgiveness Programs

The state of Vermont also offers loan forgiveness programs to its residents. The students who avail the benefits of student loan forgiveness of the state can also make use of the Federal Student Loan Forgiveness Programs.

They include the following -

  • Vermont Educational Loan Program for Primary Care Practitioners

  • Vermont Educational Loan Program for Nurses

  • Vermont Educational Loan Program for Dentists

  • Vermont Educational Loan Repayment for Nurse Educators or faculty

  • Vermont Bar Foundation Loan Repayment Assistance Program

Program Name - Vermont Educational Loan Program for Primary Care Practitioners

Amount offered: Up to $20,000 yearly

Eligibility

  • Be a Vermont resident and a primary health-care practitioner, physician assistant, psychiatric nurse practitioner, certified nurse midwife, a physician practicing for a minimum average of 20 hours per week and 45 weeks per year in Vermont.

  • Employed by an eligible work-site

  • Agree for a 2-year commitment


Virginia Student Loan Forgiveness Programs

Virginia Student Loan Forgiveness Programs include the following.

  • Virginia State Loan Repayment Program

  • Virginia Loan Forgiveness Program

  • LSC Loan Repayment Assistance Program and more.

To receive benefits from the Virginia State Loan Repayment Program the candidates should either be citizens or nationals of the United States.

The candidate should have completed residency training and should be Board Certified. The candidate shall not be under contractual service obligation and should not have any federal liens or judgments.

The amount granted for the Virginia Loan Forgiveness Program varies and the LSC Loan Repayment Program Assistance Program amounts to $5,600 yearly for 3 years.


Washington Student Loan Forgiveness Programs

The student forgiveness programs for the Washington state has the following features.

  • Residents of the state qualify for the student loan forgiveness programs.

  • It focuses specifically on health professional loan repayment program.

  • The amount is $35,000 for almost 2 years.

  • Health care professionals are encouraged to serve in the state’s critical requirement areas.

  • One major contributor to financial assistance is the loan repayment programs.

  • Primary health care is imparted in rural as well as urban areas.

  • The candidate should either be employed or should fall under an employment contract within the stipulated time.

  • The candidate should be a US  citizen.

  • Employment should be offered at a site recognized by the state.

  • A service contract for a minimum of two years should be granted to the candidate.


Wisconsin Student Loan Forgiveness Programs

Wisconsin Loan Forgiveness Program is available as Health Professions Loan Assistance Program.

Program Name - Health Professions Loan Assistance Program

Amount offered - $50,000

Eligibility

  • Physicians, psychiatrists, dentists, dental hygienists, physician assistants, nurse practitioners, and certified nurse midwives are eligible to apply.

  • Providers must work in an eligible rural or urban community.

Feature - The awards that are offered are state and income tax exempt.

Program Name - Rural Physician Loan Assistance Program

Amount offered - Up to $50,000

Eligibility

  • Only physicians practicing in the rural area specified by the HPSA can apply to the program.

Program Name - Indian Health Service Loan Repayment Program

Amount offered - $24,000

Eligibility

The eligible professions include physicians, dentists, nurses, pharmacists, optometrists, therapists, psychologists, social workers, environmental health, and other allied professions.

Health Professional’s Loan Assistance program is available to those in psychiatry, primary care, dental hygiene, dentistry and more.

Eligibility

  • The candidates can receive an amount of $1,00,000 in education loan assistance in this case.

  • Moreover, Physicians practicing in rural communities receive $50,000 in loan assistance funds.

  • Physician Practitioners in Rural Communities receive $1,00,000.

  • ‘Rural’ conditions are defined here as city, town or village with less than a population of 20,000.

  • Federal Bureau defines it is an un-urbanized center.

  • Another Loan Forgiveness Program known as the Indian Health Service Loan Repayment Program awards an amount up to $24,000.


Wyoming Student Loan Forgiveness Programs

Wyoming Student Loan Forgiveness Programs includes two major loan forgiveness programs including Wyoming Health Care Loan Repayment Program and the Wyoming Veterinary Loan Repayment Program.

Program Name: Wyoming Health Care Loan Repayment Program

Amount offered: $30,000 for three years

Eligibility

  • Should be within one year of licensure or graduation and should furnish transcripts or projected licensure or graduation.

  • The candidate should be US citizen or permanent residents.

  • The candidate should serve full time for three years, at the approved site of the Wyoming Department of Health.

  • The candidate should get into a contract with the Wyoming Department of Health that binds him/her to the Wyoming Health Care Provider Loan Repayment Program.

  • No discrimination should be practiced against any individual based on his/her ability to pay for services or as the payment provided to the individual will be made under part A or B of title XVIII. Of Federal Social Security Act.

  • The candidate should agree with the Wyoming Department of Health for services to Wyoming Residents qualified under Wyoming Medical Assistance Services Act and the Child Health Insurance Program.

  • Should not hold a defaulted education loan.

  • Should disclose other sources of education loan repayment, and obligations to practice professions at a given location at a given time and other existing loan repayment arrangements for loan repayment program.

  • Should not participate in the Loan Repayment Program such as the National Health Service Corps, or repayment programs that require practicing at a specific time frame at a specific location.

  • The loan amount has to be repaid in case of breach of contract.

Program Name: Wyoming Veterinary Loan Repayment Program (Does not fund for programs between July 1, 2018 and June 30, 2020.

Amount offered: $30,000 per year for 3 years.

Eligibility:

  • The veterinarians must be US citizens and should have graduated from AVMA accredited veterinary college.


Conclusion

Though most states offer Student Loan Forgiveness Programs, states such as Alabama, Connecticut, Tennesse, Utah, and West Virginia do not offer Student Loan Forgiveness Programs.

The state-wise policies influence, the existence of Student Loan Forgiveness Programs.

Most states grant forgiveness to their own residents only.

There are even a few citizens who change the place of their stay to receive forgiveness benefits. However, before making such bold moves, make sure that you are well aware of the essential eligibility criteria that each state puts forward. 


FAQ'S

  Which are the careers that qualify for student loan forgiveness program?


Careers including Federal Agency Employee, Public Service Worker, Doctor, Physician, Lawyer, Automotive Professionals, Nurse, Teacher, Volunteer Organisation Workers and more help in obtaining student loan forgiveness easier and faster.

  How long does it take for the student loans to be forgiven?


The Pay As Your Earn Program helps in obtaining forgiveness after 20 years, whereas REPAYE and Income-Based Repayment Program offers repayment within 20-25 years of student loans.

  How is undue hardship proven?


Meticulous records are submitted to prove that the undue hardship to receive the loan.

  Would someone be sent to jail for not paying student loan?


No-one would be jailed or punished for not having paid the student loan. Failure to pay the student loan, credit card, and hospital bill are categorized as civil debts.

  Would the loans be canceled if the borrower dies?


Yes, the loans are canceled if the borrower dies. 

  Which are the several repayment plans available for the borrowers to benefit?


Several repayment plans including Income-Based Repayment, Pay As You Earn, Revised Pay As You Earn, Income Contingent Repayment, Public Service. Loan Forgiveness is available for students to make use of.

  Name a few interesting student loan forgiveness programs by state.


  • The state of Maine offers the Opportunity Maine tax credit for college grads to live and work in the state.

  • Kansas has sectors called the Rural Opportunity Zones, that help young graduates to deal with the debt burden.

  • Moreover, cities including Hamilton, Grand County, and St. Clair County also offers programs that ease the debt.

  How to file for an undue hardship?


Proving undue hardships would mean doing two things:

Payment of the required amount

Child support based on the amount of support you receive

Household living standard lower than the parent's household standard living

  Are student loan forgiveness programs the same for all the states?


No. Each different state has its own unique student loan forgiveness programs.

  Which are the states that do not offer student loan forgiveness programs?


Student loan forgiveness is not offered in states including Alabama, Connecticut, Tennesse, Utah, and Washington.