Student Loan Repayment and Forgiveness Programs in Ohio
In case you are a Buckeye from the state of Ohio, or you are a migrant who just moved here and you are making a plan that's gonna allow you to pay off your loans, there are a couple of programs out here for you.
So let's dive into these programs and talk about them, you guide to repaying loans through programs and some student loan forgiveness programs with our assistance in the state of Ohio.
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So we obviously know that every student who's gone to school has loans right?
Well that's what we all thought and we weren't off by much in terms of statistics as they say in recent studies conducted by The Institute for College Access and Success (TICAS) which placed Ohio as the state with the eighth highest value in terms of student loan debt with regard to the percentage of people and it also ranks at the 10th position in the average amount of student loan debt per person when calculated.
In specific concern with regards to students from Ohio that have student loans, it says that 66% of them have an average amount of student loan that amounts to about $30,000 or so.
So lets put it this way, loans in excess of $30,000 is not small matter right out of college, hence the need for you to know about student loan repayment and student loan forgiveness in the state of Ohio.
Student loan forgiveness and repayment in Ohio
In comparison to some other states, there isn't much of a variety here in terms of programs that offer loan repayment assistance or student loan forgiveness in the state of Ohio. But some exist that are of benefit in case you are a lawyer, dentist or a physician.
So here's a look at what you can do about your Ohio student loans for people work in any of these fields -
John R. Justice Student Loan Repayment Program
So this one goes out to the lawyers out there. Many states off this repayment program including the state of Ohio. This program is available to those state and federal public defenders or state prosecutors.
But for those that want to use this repayment program, they must also agree to remain in the position in which they currently serve for a minimum period of 3 years and also must ensure not to default on their federal student loans.
Here are some of the requirement specifics on this program -
The attorneys have to be licensed to practice law without any interruption.
Prosecutors and public defenders are required to work in favor of the state and local government and also on criminal cases or cases such as those that involve juvenile delinquency, including those indigent persons in the instance that you are a public defender.
Federal defense attorneys are also eligible if they work on the cases that are mentioned above, but federal government prosecutors do not qualify.
Private practice attorneys are ineligible even if they were contacted by the state.
Attorneys that are supervising or training other prosecutors or public defenders are eligible.
If you are able to receive funds from this program to help you pay for your Ohio student loans, then you are eligible to get up to $10,000 per year and this maxes out at $60,000 in total, in accordance with Equal Justice Works. Sadly if your loans are either private or Parent PLUS loans, you are ineligible.
Ohio Dentist Loan Repayment Program
For those who are dentists or a dental hygienist working in an underserved area, the Ohio student loan repayment program or the ODLRP should be able to help you pay off your student loans.
This program is made by the Ohio Department of Health and is either a general or pediatric dentist and dental hygienists.
Rules to be followed
You are required to practice for about 20-40 hrs per week and also provide services at sites that are agreed upon.
You are required to serve Medicaid eligible patients, regardless of their ability to make payments.
If it is mentioned in your contract you are able to teach on-site for a limited amount of time.
In exchange for this, participants of the ODLRP will get help on some or all of the federal or private student loans that they have taken out for dental school or dental hygiene college. That is not just limited to tuition, but can also cover other costs, such as room rent and boarding, stationaries like books and also cover lab expenses. The Director of Ohio Health determines the amount of this award.
Ohio Physician Loan Repayment Program
The Ohio repayment assistance isn't limited to eligible health practitioners such as dentists alone.
Doctors too are eligible to get similar help through the Ohio Physician Loan Repayment Program.
Similar to the one for dentists, this program is directed at helping underserved communities. Any physician who accepts this loan repayment also has an obligation to work for a minimum period of 2 years in that community. Likewise, the physician is obligated to see the patients regardless of their ability to pay, and are also obliged to accept Medicare and Medicaid.
The perks of this program if you are approved are as follows -
For the period of the first two years, one can get up to $25,000 to pay for one's medical school loans if you work for a minimum of 40 hours per week.
As long as you continue to work for another year or two, you are eligible to get up to $35,000 to pay for your medical school loans.
If you plan on working part-time but work for at least a period of 20 hours a week, you are eligible for at least half those amounts.
To become eligible for the same you should offer primary care in family practice, internal medicine, pediatric, adolescent medicine, geriatrics, obstetrics and gynecology or psychology.
Loan repayment assistance from your school
Most schools these days have their own loan repayment assistance programs (LRAPs) for graduates in certain specific majors. If you are unable to get any of these programs mentioned above to help you out, get in touch with your alma mater (or look up their website) to check if your major is able to get your eligibility for an LRAP.
Grants and scholarships for Ohio students
Other then the options that are mentioned above there are a few other options for Ohio student loan forgiveness, there are various options in terms of grants and scholarships to discuss for incoming students. They won't be able to help you out if you have already finished your studies and graduated, but if you are an incoming student make sure you have a look.
A list of the current grants and scholarships is posted on the Department of Education's website -
Ohio College Opportunity Grant (for those with a great deal of financial need)
Nurse Education Assistance Program (for students in approved Ohio nursing programs)
Ohio War Orphans Scholarship (for children of deceased or severely disabled Ohio veterans who served in combat)
Choose Ohio First (for STEMM students)
Opportunities for Veterans (for active service members and veterans, and sometimes family members)
Ohio Safety Officers College Memorial Fund (for Ohio children and spouses of safety officers who lost their lives in the U.S. in the line of duty, as well as those of service members who died during specific operations)
Forever Buckeyes (in-state tuition for Ohio high school graduates who go out of state but transfer back to an Ohio school and establish residency in the state)
Geological Survey Grant Program (for students doing geological research in Ohio)
And finally, they also feature a specific scholarship search tool for Ohio.
The statute of limitations on Ohio student loans
If you are already in default on your Ohio student loans and have very little ways to rehabilitate them. With respect to when your last payment was made, the statute of limitations might be able to help you out.
If your debt surpasses the statute of limitations, it is called a "time-barred" debt.
Even though it may be required for you to pay that money back, the repayment of such a debt is no longer enforceable by the law.
Hence, a debt collector will be able to sue you for it, but if you attend the court proceedings and manage to provide proof that this debt is a time-barred debt, they will not be able to win the case. But they are still able to try to collect the debt.
The statute of limitations varies by state and is sometimes invalidated by some types of debt. Sometimes student loan debt falls into the "written contracts" category, which gets time-barred after a period of 8 years according to the Ohio revised code 2306.06.
But there's bad news - This law is not applicable on federal loans. So, only private loans are eligible to become time-barred.
Make a note of this - Whenever you make a payment on your loan or debt, the statute of limitations starts over. In the sense, if you had just another more to go before your statute of limitations was applicable and you made a payment, this would reset the clock over.
How to make the most of this Ohio student loan forgiveness
Regardless of whether you were born in the state of Ohio or you moved there by sheer luck or due to work, make sure you look to get help with loan repayment assistance and student loan forgiveness in Ohio. If you do not see anything that could consider you eligible, take it to your representatives.
Utilize the GovTrack to look up and reach out to your Ohio senators and Representatives. Coming from or living in such a politically proud state, you'd be remiss not if you are feeling left in the dust regarding Ohio student loan forgiveness.
Anyways, you can make sure that your debt does not take out your life by taking control of it. If you need some more help, have a look at the other articles we've written on student loan forgiveness and more.
Student loan forgiveness programs in Ohio FAQs
1 - Will Refinancing help me save money?
This is usually possible if you owe a lot on your student loans because the more you owe in terms of student loan debt, the more you will be able to save in terms of refinancing this student loan debt. But this also depends on your ability to qualify for a refinancing that leads to a lower interest rate and also choosing to either keep the same term length or reduce it.
How to prove undue hardship for student loans?
Since you are the one who is stating hardship to pay for your student loans. So it is up to you to be able to prove that you are under undue hardship to be able to pay off your student loan debt.
This is so as to help to convince the court successfully so as to have your loans discharged, you will be required to provide a very detailed record. Which includes collecting and documenting your minimal standard of living and your inability to maintain it.