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.

Posted by Theres Ann on 16th March 2019


Student Loan Forgiveness Programs by State

Like in the case of every other policy each state in the United States has a different approach while granting student-loan forgiveness.

Several student loan forgiveness options include Public Service Loan Forgiveness, Federal Income-driven repayment plans, Pay as you earn (PAYE), Revised Pay as you Earn (REPAYE), Income-Based Repayment, Income Contingent Repayment Plan and more. 

Public Service Loan Repayment is for those who are committed to a public service career.

There is no cap on the amount that can be forgiven. However only Federal Direct Loans and Federal Direct Consolidation Loans are eligible for this type of forgiveness. It is necessary to make 120 payments within 10 years while working full-time for any type of government.

The forgiveness amount for this type of program is not taxable.

The next type of forgiveness is Teacher Loan Forgiveness.

Full-time teachers working in low-income schools are eligible for this type of program. An amount of up to $17,500 is eligible on direct subsidized and direct unsubsidized federal Stafford loan.

Federal Direct Loan, Federal Direct Consolidation, and Federal Stafford Loans are eligible to obtain this type of forgiveness. The candidate must work full-time for five years.

The forgiven amount is not taxable in this case.

For teachers, other professionals, Americorps, VISTA, or Peace Corps Volunteers the forgiveness program that is available is the Perkins Loan Cancellation Program. Up to 100% of the loan balance can be forgiven in this case.

The forgiveness program is for those who have taken the Federal Perkins Loan.

If the application is based on the occupation, then the candidate has to work for four to seven years.

The canceled amount is not taxable in this case.

Forgiveness for Income Driven Plans is for the candidates enrolled in PAYE, REPAYE, IBR, and ICR.

There is no restriction on the amount that can be sanctioned. Federal Direct loans, Federal Direct Consolidation Loans, and Federal Direct Plus Loans are eligible for this kind of forgiveness. After 20-25 years the remaining balance loan is forgiven.

The amount that is forgiven is transferable.

Loan forgiveness for Nurses is granted to the nurses working in a high-need area or military.

Federal Direct Loans, Federal Direct Consolidation Loans, Federal Stafford Loans, Federal Direct Plus Loans are granted to the students.

To receive forgiveness of up to 85%, the candidate must work in Critical Shortage Facility for three years. The forgiven amount is taxable, and the nurse corps will pay federal taxes to you.

Doctors who make a commitment to work in a high-need area or in the military, are eligible to obtain loan forgiveness for doctors. The amount varies based on the program chosen. Similarly, there is loan forgiveness for lawyers.

Military Student Loan Forgiveness is granted to those members of the military, who took their student loan debt before enlisting.

For the army service, the amount granted is almost 100% and for the Navy Service, the amount granted is almost $65,000.

The Air-force JAG Service also receives $65,000. Only federal student loans are eligible for this forgiveness program. The time for the service varies based on the service in which one is enlisted.

Segal Americorps Education Award is granted to the Americorps Volunteers. The amount granted is almost $6,095. Federal Loans and Loans issued by state agencies are entitled to this type of forgiveness programs. The candidate should receive at least one term of service in this regard.

The forgiven amount is taxable in this case. 

States across the United States of America has different student loan forgiveness programs, each catering to its own economy and workforce state.

The state-wise characteristics and provisions of the student loan forgiveness programs are as given below.


Table of Contents

Number Topics
1 Washington Student Loan Forgiveness Programs
2 Oregon Student Loan Forgiveness Programs
3 Idaho Student Loan Forgiveness Programs
4 Nevada Student Loan Forgiveness Programs
5 California Student Loan Forgiveness Programs
6 Arizona Student Loan Forgiveness Programs
7 Wyoming Student Loan Forgiveness Programs
8 Montana Student Loan Forgiveness Programs
9 Colorado Student Loan Forgiveness Programs
10 North Dakota Student Loan Forgiveness Programs
11 Nebraska Student Loan Forgiveness Programs
12 Kansas Student Loan Forgiveness Programs
13 Oklahoma Student Loan Forgiveness Programs
14 Texas Student Loan Forgiveness Programs
15 Louisiana Student Loan Forgiveness Programs
16 Wisconsin Student Loan Forgiveness Programs
17 Illinois Student Loan Forgiveness Programs
18 Mississippi Student Loan Forgiveness Programs
19  Kentucky Student Loan Forgiveness Programs 
20 Ohio Student Loan Forgiveness Programs 
21 Florida Student Loan Forgiveness Programs
22 South Carolina Student Loan Forgiveness Programs
23 North Carolina Student Loan Forgiveness Programs
24 Virginia Student Loan Forgiveness Program
25 Pennsylvania Student Loan Forgiveness Program
26 New Jersey Student Loan Forgiveness Program
27 Connecticut Student Loan Forgiveness Program
28 Vermont Student Loan Forgiveness Program
29 New Hampshire Student Loan Forgiveness Program
30 Maine Student Loan Forgiveness Programs
31 Student loan forgiveness programs by state FAQ's

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.


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 is as given below.

  • The candidate should have quality employment.

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

  • If the applicant 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.


Idaho Student Loan Forgiveness Programs

The loan amount varies based on courses in Idaho.

  • The candidate should either be employed or hold an employment contract.

  • Medicare, Medicaid, and health insurance programs should e accepted.

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

  • The candidate should not hold concurrent service obligations.

  • The candidate should 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 a duration for 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 

 

student loan

Source: quickmeme.com


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.

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

The candidate must not also have any restriction on State Licensure.


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.

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.

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.

In the case of Allied Health Care Loan Repayment Programs, the candidate should agree to practice direct full-time patient care, for a year. The loan repayments are available up to $16,000.

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.

Steven M. Thompson Physician Corps Loan Repayment

  • Grated only to allopathic or osteopathic physicians

  • The candidate should be free of ay contractual obligation tools.

  • The candidate should hold ay outstanding educational debt from a government or commercial lending institution

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

  • The candidate should be currently employed or have accepted employment in a Health Professional Shortage Areas (HPSA) in California

  • The candidate should be committed to providing full-time direct patient care in an HPSA.

California State Loan Repayment Program

  • The amount would range up to $50,000.

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

  • The candidate should possess a current unrestricted CA license to practice

  • The candidate should be a US Citizen.

  • The candidate should be free from judgments arising from federal debts

  • The candidate does not have any existing service obligations for other programs

  • The candidate should not be in breach of any health service obligation

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

  • The candidate should commit to full-time or half-time two-year service obligation

CDA Foundation Student Loan Repayment Grant

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

  • The candidate should be eligible to practice dentistry in California 

The candidate should a legal citizen or resident of the US 

The candidate should submit an application packet

The candidate should have outstanding student loans

The candidate should sign a binding contract to serve a minimum of 36 months

secure employment with an eligible work site

The candidate should provide at least 30 hours of hands-on dental work per week

The candidate should not be in default or have a judgment on student loans 

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

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


Arizona Student Loan Forgiveness Programs

A few popular programs offering loan forgiveness programs are as given below.

Primary care provider loan repayment program and Rural private primary care loan repayment program

  • Recruitment and retention of health care professionals are promoted

  • 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

  • The candidate must be enrolled in a baccalaureate program at an accredited post-secondary institution 

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

  • 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. 


Wyoming Student Loan Forgiveness Programs

A few of the popular programs that offer loan forgiveness include Health care professional loan repayment program and Veterinary loan repayment program.

For both, the programs the candidate should hold licensure should be a citizen of united states and should agree to work full-time for the contract period.

The person should agree to practice equality.

The candidate should not hold a loan to be repaid.

In case of breach of contract, the candidate should agree to repay the loan amount.

Loan repayment is granted to veterinarians who practiced food animal medicine.

If a candidate fails to meet the eligibility requirements throughout the course of the program, then they will sign a document in which they agree to pay the amount. The sponsor of the program is the Wyoming Office of Rural Health.

Physicians are eligible for $40,000 in exchange for two years of full-time practice.

Medical Professionals including nurse practitioners, physician assistants, certified nurse midwives, and mental health clinicians are eligible for a maximum of $20,000 at the National Health Service Corps Site.

The US Department of Health and Human Services grants funds to the State’s committees to sponsor the forgiveness programs.

Source: Financial Samurai


Montana Student Loan Forgiveness Programs

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

The educators who are part of this program must teach in a rural school district or should teach the economically impacted or undeserved. This can extend to those institutions that face greater educational challenges.

For the Montana Rural Physician Incentive Program, the candidate must be a US citizen or legal resident.

The candidate should hold a doctor of medicine or doctor of osteopathic medicine degree. 

He/she should hold licensure and should have existing eligible medical education loans along with full hospital privileges.

To seek benefits from the Montana Institutional Nursing Incentive Program, the candidate must be a registered professional nurse and must submit proof of educational loan balance. 


Colorado Student Loan Forgiveness Programs

Colorado student loan forgiveness programs include the Colorado Health Service Corps, University of Denver Sturm 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.

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.


North Dakota Student Loan Forgiveness Programs

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.

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 $1,00,000.

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


Nebraska Student Loan Forgiveness Programs

Nebraska Loan Forgiveness Program is available as the Nebraska Student Loan Repayment Program. The amount granted can be a maximum of up to $40,000.

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


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.

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.

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.

Resident Physicians who are in Family Practise, General Internal Medicine, General Paediatrics, and Medicine/Paediatrics can make use of the Kansas Bridging Plan. Upon completion of residency training, the residents are encouraged to practice in a rural community.

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.


Oklahoma Student Loan Forgiveness Programs

Oklahoma Loan Forgiveness is available as Oklahoma Medical Loan Repayment Program, Oklahoma Dental Loan Repayment Program, and, Physician/Community Match Loan.

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

  • St. David’s Foundation 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, Paediatrics, Obstetrics, Gynaecology, Psychiatry, or  Geriatry.

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.


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.

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.


Wisconsin Student Loan Forgiveness Programs

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

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

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.

National Health Service Corps offers up to $50,000. Nursing Education Loan Repayment Program repays up to 60% of the qualifying loan balance.

The program is based on loan assistance or repayment.

Source: clear point credit counseling


Illinois Student Loan Forgiveness Programs

Illinois Student Loan Forgiveness Program is available as :

  • Illinois Teachers Loan Repayment Program

  • John R. Justice Student Loan Repayment Program

  • Nurse Educator Loan Repayment Program

  • Veterans’ Home Nurse Loan Repayment Program

  • many more.

To be a part of the Illinois Teachers Loan Repayment Program, the candidate has to be US citizen and also a resident of Illinois.

The candidate should have a remaining balance on loans. The candidate should have completed a five-year teaching obligation, in an Illinois low-income Elementary or Secondary School and should also be a borrower whose educational loans are forgiven under the federal government’s loan forgiveness programs.

The candidate should also have worked for full-time under a low-income child-care facility in Illinois. The John R Justice Student Loan Repayment Program is granted only to a US Citizen or legal resident.

The candidate should have an outstanding balance on eligible loans and should be an attorney continually licensed to practice. The candidate should also be an employee of a non-profit organization.

To avail the benefits of the Nurse Educator Loan Repayment Program, the candidate first has to be a US Citizen or legal resident in Illinois.

The candidate should be a nurse educator in the Department of Financial and Professional Regulation.

Veteran’s Home Nurse Loan Replacement Program grants an amount of $5,000 for a duration of 4 years.


Mississippi Student Loan Forgiveness Programs

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

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

To avail a Student Loan Forgiveness Program by the State of Mississippi the candidate should hold an Alternate Route Teaching License.

The candidate should not have received fund from the Critical Needs Teacher Loan/Scholarship Program.

The program pays up to $3,000 per year for a maximum of four years. Perkins loans and graduate level loans do not qualify for loan forgiveness through MTLR Program.


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.


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.


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.

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.

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, 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 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.


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 $1,00,000.

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


Virginia Student Loan Forgiveness Program

Virginia Student Loan Forgiveness Programs include:

  • 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.  


Pennsylvania Student Loan Forgiveness Program

Pennsylvania Loan Forgiveness includes programs such as :

  • 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 $1,00,000 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.


Maryland Student Loan Forgiveness Program

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 DentCare Loan Assistance Repayment Program are the various other Loan Forgiveness Programs of the Maryland State.


New Jersey Student Loan Forgiveness Program

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.

Loan Forgiveness Programs of the NewYork 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.


Connecticut Student Loan Forgiveness Program

The State of Connecticut does not offer any Student Loan Forgiveness Programs.

Few of the Student Loan Forgiveness Programs of the Rhode Island include:

  • Primary Care Practitioner Loan Forgiveness Program

  • Health Professional Loan Repayment Program

  • Nurse Educators Loan Forgiveness Program

  • Wavemaker Fellowship

Massachusetts’s  Loan Forgiveness Program is known as the Massachusetts Loan Repayment Program for Health Professionals.


Vermont Student Loan Forgiveness Program

The state of Vermont also offers 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


New Hampshire Student Loan Repayment Programs

New Hampshire Loan Repayment Programs include: 

  • New Hampshire State Loan Repayment Program

  • New Hampshire Bar Foundation Loan Repayment Programs

  • and more.

New Hampshire State Loan Replacement Programs can amount up to $75,000 whereas the New Hampshire Bar Foundation Loan Replacement Program amount can vary based on various factors.

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.


Maine Student Loan Forgiveness Programs

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.


Student Loan Forgiveness Program FAQs

1 - 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.

2 - 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.

3 - How is undue hardship proven?

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

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

Noone 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.

5 - Would the loans be canceled if the borrower dies?

Yes, the loans are canceled if the borrower dies. 

6 - 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.

7 - 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.

8 - 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

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

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

10 - 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.