Student Loan Forgiveness Programs By State

Student loan forgiveness programs are indeed a blessing for those students who have to repay their student loans while they're struggling. Learn all about the best student loan forgiveness programs by state.

Updated by Jason Joy Manoj on 16th July 2020

Various student loan forgiveness programs are available to students based on their career, state of residence, and more. In this article, we shall run through loan forgiveness programs for teachers, loan forgiveness programs for nurses, loan forgiveness programs for social workers, and more. All of these programs include different criteria that applicants must pay close attention to, and help in forgiving the remaining loan amount after several years of repayment. 

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


Table of contents


Alabama Student loan forgiveness Programs

A borrower who is searching for a student loan forgiveness program at Alabama is not going to find one at the state level but can find a forgiveness program at the federal level. This means that Alabama doesn’t have any student loan forgiveness programs at the state level.

The below-mentioned programs are the common federal student loan forgiveness programs.

1.Public service loan forgiveness

Public Service Loan Forgiveness program(PSLF) is made available for those who promise to work in public services after the completion of their study program. Being a government employee in Alabama doesn’t automatically mean you qualify for public service loan forgiveness (PSLF). There are certain eligibility criteria to qualify for this program.

Eligibility

  • To qualify for PSLF, you have to work for a government or nonprofit organization and have federal loans that are owned by the U.S. Department of Education. You must work as a full-time worker, which is effectively 30 hours per week.

  • Federal Student Loans that are eligible for forgiveness under PSLF are Direct subsidized, direct unsubsidized, direct consolidation and direct plus loans. Federal Perkins Loans are not eligible for PSLF. And also private student loans are not eligible for PSLF.

  • You should also be paying that loan on an income-driven repayment plan. But before that loan can be forgiven, you have to make 120 monthly payments, for a total of 10 years of payments.

  • You have to meet all those requirements before you can be eligible for PSLF if you’re a public service worker in Alabama.

2.Teacher loan forgiveness

Teachers having student loans can get it forgiven by qualifying for the Teacher loan forgiveness program. To qualify for this program you must tach for at least five years full-time in a school that meets the criteria as a low-income school or if you teach with an educational service agency. This may help you by getting up to $17,500 of your student loan forgiven.

Eligibility

You must meet all the eligibility criteria to avail of the teacher loan forgiveness program. In addition to meeting the teaching requirements, you must also have a Direct subsidized or unsubsidized loans, or subsidized or unsubsidized Stafford loans.

You could also earn additional student loan forgiveness through being approved both for the Public Service Loan Forgiveness Program and the Teacher Loan Forgiveness Program. But the payments you send to your Direct Loan for the Teacher Loan Forgiveness Program can’t count for the 10 years of payments you need to make for the Public Service Loan Forgiveness Program. So you would still have to make 10 years of payments after you earn forgiveness through the teacher program to potentially get the public service forgiveness as well.

3.Nurse loan forgiveness

Nurses can have their student loans forgiven through the nurse loan forgiveness program

The borrower must be a licensed registered nurse who has received a degree from an accredited nursing school in order to become eligible for this program. You must also be employed full-time at an accredited nursing school or at a critical shortage facility in a location that’s deemed high-need.


Alaska Student Loan Forgiveness Program

In addition to the Federal student loan forgiveness programs, the state of Alaska provides one student loan forgiveness program specific to itself.

The program is named as SHARP.

SHARP-II is a loan forgiveness program available only in the Alaska state. It is under Health Care Professions Loan Repayment and Incentive program.

The loan amount for this program varies with profession and salary. 

Eligibility

SHARP-II has certain expectations form the borrower, a key one being that holding a concurrent service obligation with virtually any other entity is specifically disallowed (e.g., NHSC, I.H.S., and so on). Another key expectation is that each participating Site must contribute a partial employer match to its clinician’s support-for-service payment, although reduction of this required match amount may be possible in some circumstances. Further, all participating Sites must be within Alaska-designated health care service shortage areas (HCSSAs). Sites must accept patients who receive Medicaid or Medicare, and the uninsured on a sliding fee basis.


Arizona Student Loan Forgiveness Programs

The state of Arizona offers several state-specific student loan forgiveness programs. Along with the state-specific loans, 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.

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

The program is aimed to retain health care professionals who meet the eligibility requirements in the state of Arizona to provide better health care facilities to the residents of Arizona.

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

Feature - Recruitment, and retention of health care professionals are promoted. 

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

The program is specific to legal professionals who are well versed with the state laws. The program aims to assist them in removing the debt burden in exchange for providing legal services to the residents of Arizona for the better of the society.

Amount - Varies

Eligibility - To be eligible, you 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 loan repayment programs were established to serve the legal needs of the poor

  • The foundation contributions are not left to Arizona graduates.

Arkansas Student loan forgiveness programs

Arkansas State provides 2 student loan forgiveness programs in addition to the federal student loan forgiveness programs. 

1.State Teacher Education Program(STEP)

This loan forgiveness program is enforced for the teachers teaching in the state of Arkansas. If you are a teacher from Arkansas state who is struggling with student loans you can go for student loan forgiveness under this program.

Eligibility

  • The applicant must be a citizen of the U.S or a permanent resident.

  • The applicant must be a bonafide Arkansas resident for at least twelve months prior to the application deadline.

  • The applicant must be a licensed teacher in Arkansas. And must have graduated from a teacher education program after 2004.

  • While applying and receiving the loan forgiveness the applicant must be employed in a public school at Arkansas as a full-time teacher. And must teach in a subject area with a teacher shortage or teacher in a geographical location with teacher shortage.  

2.Out-Of-State Veterinary Medical Education Loan Repayment Program

  • Amount: Varies

  • Description:  The Out-of-State Veterinary Medical Education Loan Repayment program will assist with the repayment of federal student loans for up to five (5) years for eligible veterinarians who attended Mississippi State University College of Veterinary Medicine and practice food supply veterinary medicine within the State of Arkansas.


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.

1 - Steven M Thompson Physician Corps Loan Repayment

Program is aimed to promote the retention of medical care professionals in the state of California and also help in the ease of the debt burden form medical school. The program is specific to Allopathic and Osteopathic professionals.

Amount offered - $105,000

Eligibility

  • Allopathic or Osteopathic physicians can apply

  • Applicants 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

  • Applicants 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

2 - 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 whether 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 currently on the child support payment

  • Hold employment at SLRP eligible site

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

Features 

  • 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, and CDA Foundation Student Loan Repayment Grant.

3 - California State Loan Repayment Program

The program aims to increase the number of primary care physicians, dentists, nurses, midwives, etc in the state of California by providing ease of burden in their student loans. Retention in the state is also targeted by the 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

4 - CDA Foundation Student Loan Repayment Grant

The program aims to provide grants to specialty/dental school graduates to help ease the burden of their medical school debt.

Amount offered: Up to $105,000

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

1 -  Colorado Health Service Corps

The program aims to provide professional health loan repayment and the retention of specialty health practitioners in the state of Colorado.

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

$50,000 for full time and $25,000 for part-time Physician assistants, practical nurses, pharmacists, and mental health providers.

Who are eligible?

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 and 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 and $45,000 if they work part-time

  • 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


Connecticut student loan forgiveness program

The borrowers of the Connecticut State who are struggling to repay their student loans and are thinking of getting their student loans forgiven can go with  Federal Student loan forgiveness plans. 

But if you are searching for a state-specific student loan forgiveness program in Connecticut, unfortunately, you don’t find one. The state of Connecticut doesn’t offer any specific student loan forgiveness programs. However, all the federal student loan forgiveness programs are available in the Connecticut State. Choose the suitable student loan forgiveness program for you and get your student loans forgiven. Make sure that you are eligible for a suitable program.


Delaware student loan forgiveness programs

Along with the federal student loan forgiveness programs Delaware state provides a special loan forgiveness program specific to the state.

This student loan forgiveness falls under the Delaware state loan repayment program. The program aims at providing financial assistance to the health care professionals of the Delaware State. As a part of the program student loan forgiveness plays a major role in solving the financial hardships of those health professionals in Delaware.

Amount: up to $100,000

Eligibility

  • The applicant must be a U.S citizen.

  • Be employed by a designated Healthcare Professional Shortage Area site.

  • The applicant should not have any other existing service commitment and must agree to provide full-time service.

  • The applicant must not have been convicted of or disciplined by any state Licensing Board or Agency

  • Should not have any federal liens

  • The applicant must agree to all terms and conditions. 

  • Loans that are eligible are,

        Stafford loan, Grad PLUS loans, Consolidation Loan, Perkins loans, Private student loans


Florida Student Loan Forgiveness Programs

The state of Florida has two major student-loan forgiveness programs which are the 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.

1 -Nursing Student Loan Forgiveness Program

The program is aimed to repay 60 percent of the student loans in 2 years of employment for registered nurses who work for at least 32 hours a week at a qualified facility.

Amount offered - Up to $4,000 for four years

Eligibility

  • The applicants must be licensed as an LPN, RN or ARNP in 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

2 - Loan Repayment Assistance Program

The program aims to help repay the educational debt if the students pay after graduation is modest.

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 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 one 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 the following - 

  • Teacher Loan Forgiveness

  • National Health Service Corps Loan Repayment Program

  • Public Service Loan Forgiveness


Georgia Student Loan forgiveness programs

The residents of Georgia have a privileged student loan forgiveness program only for within their state. They also have the availability of all the federal student loan forgiveness programs in their state.

The loan forgiveness program specific to Georgia is more concerned with student loans owned by Physicians.  

Physicians for Rural Areas Assistance Program

The Physicians for Rural Areas Assistance Program pays medical education student loan debt for physicians who agree to practice medicine full time in a rural county in Georgia.

Amount:  Up to $25,000 yearly, for a maximum of $100,000

Eligibility 

The Physicians for Rural Areas Assistance Contract requires a commitment to practice medicine a minimum of 40 clinical hours per week in a Georgia County with a population of 35,000 or fewer people according to the 2010 Census Count of the United States Bureau of the Census. However, the practice time requirement can be split between two or more counties, provided that none of the practice location counties exceed the 35,000 population limit.


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.

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

They must not hold concurrent service obligations and 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.

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 

1 -  Idaho State Loan Repayment Program

(Program suspended on January 8, 2018, Bureau of Rural Health & Primary Care will announce when the next application cycle resumes.)

Amount offered - Ranges between $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 programs are made under the Illinois Student Service Commission to support student borrowers. 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.

1 -Illinois Teacher Loan Repayment Program

The program aims to encourage talented and qualified students to come to the state and teach schools in low-income areas.

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 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

2 - John R. Justice Student Loan Repayment Program

(Due to budget restrictions, there is no availability for issuing of new awards)

Amount offered - Variable (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

3 - Veterans’ Home Nurse Loan Repayment Program

The program aims to provide for the payment of eligible student loans as an incentive for medical providers to pursue their careers in the state of Illinois.

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 a 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.

1 - Rural Opportunity Zones Student Loan Repayment Program

Over 80 Kansas counties are authorized to provide one or both of the following incentives to the to full-time residents, the incentives being state income tax waivers for up to 5 years and student loan repayments up to $15,000 for over 5 years. 

Amount offered - Up to $15,000

Eligibility

  • Be a resident of the ROZ County after 1st July 2011, and on or after the day in which the County opts for 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 that 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

2 - Kansas State Loan Repayment Program (SLRP)

The program aims to provide assistance for the repayment of educational loans in exchange for a minimum two-year service commitment to provide health care services at an eligible practice site.

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

3 - Kansas Bridging Plan

This program is aimed at primary care and psychiatry residents to encourage them to practice in the state of Kansas upon completion of their residency training.

Amount offered - $26,000

Eligibility

  • Resident physicians in Family Practice, Internal Medicine, Pediatrics and Medicine/Pediatrics programs in the state of Kansas can apply

  • The above programs have 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 around $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 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. It also 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 designated Healthcare 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

  • Should not have ever been 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 the following programs.

  • Louisiana State Loan Repayment Program

  • John R. Justice Student Loan Repayment Program

  • Louisiana Bar Foundation Loan Repayment Assistance Program

1 -  Louisiana State Loan Repayment Program

This program aims to encourage primary care providers to practice in health professional shortage areas(HPSA).

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 between April 1 and June 30

2 - John R Justice Student Loan Repayment Program

(due to budget restrictions there is no funding for new awards)

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

Eligibility

  • The candidate must be a 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 the following.

  • 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. The loan forgiveness program encourages people to stay in the state even after they have completed their education. This initiative is for meeting the workforce needs of the state which is currently unmet. 

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, bankruptcy can reduce the debt in severe cases.

1 - Educators for Maine

This program is a competitive, merit-based, forgivable loan for current Maine students.

Amount offered - Varies

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 childcare facility

2 - Maine Health Professions Loan Forgiveness Program

This is a need-based, competitive loan for Maine students pursuing postgraduate medical, dental and veterinary education.

Amount offered - Varies

Eligibility

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

  • 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

3 - Maine Veterinary Medicine Loan Program Forgiveness

The program aims to provide the borrowers to have a portion of their loan forgiven for each year of eligible service.

Amount offered - Varies

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

4 - Maine Dental Education Loan Repayment Program

This program is aimed at dental professionals who are currently serving in underserved areas.

Amount offered - Maximum 25% of the original debt

Eligibility

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

  • Provide documentation of primary dental care practice

5 - Maine Bar Foundation Loan Repayment Assistance Program

This program is aimed to assist attorneys interested in public service with repayment of their law school debts.

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 underprivileged with outstanding law school loans

  • Eligible part-time attorneys receive assistance on a pro-rated basis


Learn more on Student loan forgiveness in Maine


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.

1 - Maryland Smart Buy home Buyer Assistance and Forgiveness Program

This program is aimed to assist eligible homebuyers with student debt to purchase homes.

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

2 - Janet L Hoffman Loan Assistance Repayment Program

This program aims to offer loan repayment assistance to residents who provide full-time public service.

Amount offered - Varies

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 should 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

3 - Nancy Grasmick Teacher Award

This award aims to provide loan repayment assistance to those teachers who have qualifying loan debt.

Amount offered - Varies

Eligibility

  • Meet the Janet L Hoffman LARP requirements

  • Teach Science, Technology, Engineering or 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

Features 

  • The amount awarded will depend on the applicant's overall reported educational debt at the time application

  • Awards funds are distributed annually over a 3 year period as long as the recipient remains eligible.

4 - Maryland Dent-Care Loan Assistance Repayment Program (MDC-LARP)

This loan repayment assistance program is specifically aimed at dentists who are treating the most vulnerable populations in Maryland.

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


Massachusetts Student Loan Forgiveness Programs

Massachusetts has several state-specific student loan forgiveness programs. One prominent program would be the Massachusetts Loan Repayment Program for Health Professionals.

The residents of Massachusetts can also qualify for numerous federal student loan forgiveness programs.

Massachusetts Loan Repayment Program for Health Professionals​

The state of Massachusetts has a loan repayment program specifically for primary health care professionals in a range of disciplines including dental, medical, and mental health called the The Massachusetts Loan Repayment Program for Health Professionals. These programs aim to encourage healthcare professionals to serve in communities where health care shortage is present.

Amount offered:  Up to $50,000

Eligibility

  • The candidate must be a US Citizen

  • The service obligations must be performed at an eligible site

  • Any individual seeking care must be provided with primary health services

  • They must have a functioning and non-restricted license to practice healthcare in Massachusetts

  • They must not have a judgment lien against their property for a debt to the United States

  • No outstanding contractual obligation for health professional service to the Federal Government should be there

  • Be aware of certain service obligations that come with bonus clauses in employment contracts.

  • Should have no history of failing to comply with, or inability to comply with, service or payment obligations.


Michigan Student Loan Forgiveness Programs

The state of Michigan offers numerous student loan forgiveness programs that are specific to just Michigan.

The residents of Michigan may also qualify for numerous federal student loan forgiveness programs.​

Michigan State Loan Repayment Program​

The Michigan State Loan Repayment Program or MSLRP enables employers to recruit and retain medical, dental, and mental healthcare professionals by providing loan repayment assistance to those entering the MSLRP program’s service obligations. Participants are required to provide full time healthcare services in Health Professional Shortage Areas(HPSAs) for 2 years.

Amount offered: Up to $200,000

Eligibility:  The professionals are required to work at practice sites situated in Health Professional Shortage Areas(HPSAs). These are federal government designated areas and facilities where healthcare provision shortages prevail.

John R. Justice Student Loan Repayment Program

The John R. Justice Student Loan Repayment Program provides for repayment assistance for eligible student loans (Federal Family Education Loan Program [FFELP] and Federal Direct Loans). The assistance will be provided for state and federal public defenders and state prosecutors who will remain employed as the same for at least three years.

Amount offered: Up to $10,000 per year, maximum of $60,000

Eligibility

  • The candidate must be a US Citizen or a legal resident.

  • They are required to have an outstanding balance on their eligible student loans.

  • They should be an attorney (or have an employment offer) licensed to practice law, and an employee of the state of Michigan for full-time or a unit of local government (this includes tribal government) who prosecutes criminal juvenile delinquency cases at the state or unit of local government level, or

  • Be a full-time employee of the Michigan state or unit of local government (includes tribal government) who works to provide legal representation to indigent persons in criminal or juvenile delinquency cases, or

  • Be employed with a nonprofit organization that is operating under a contract with Michigan or unit of local government who provides legal representation to indigent persons in criminal or juvenile cases, or

  • employed in Michigan as a federal defender attorney in a defender organization.


Minnesota Student Loan Forgiveness Programs

Minnesota has many different student loan forgiveness programs that are specific to just the State of Minnesota.

However, residents of the State of Minnesota can also potentially qualify for various Federal student loan forgiveness programs.​

Under all of Minnesota's Student Loan Forgiveness Programs​, health care professionals are recruited and trained for providing healthcare services in certain areas in Minnesota. An important benefit that comes along with these program is student loan forgiveness. The areas that these professionals get recruited to are often where communities with a shortage of healthcare exist.

Minnesota Rural Physician Loan Forgiveness Program​

The Minnesota Rural Physician Loan Forgiveness Program​ offers the following amount and has the mentioned eligibility criteria for a candidate to qualify.

Amount offered:  Up to $25,000 per year, for 4 years

Eligibility:  This program is administered by The Office of Rural Health and Primary Care (ORHPC) under the Minnesota Department of Health. Funded by the Minnesota state, this Program’s eligibility criteria and benefits offered are established by the Minnesota Statutes section 144.1501. Primary care medical residents may take advantage of this program including professionals from the fields of Family Practice, Obstetrics and Gynecology, Pediatrics, Internal Medicine and Psychiatry. An application has to be submitted by the aspirant to the ORHPC during their final year of training.

Minnesota Urban Physician Loan Forgiveness Program

The Minnesota Urban Physician Loan Forgiveness Program​ offers the following amount and has the mentioned eligibility criteria for a candidate to qualify.

Amount offered:  Up to $25,000 per year, for 4 years

Eligibility:  This program is administered by The Office of Rural Health and Primary Care (ORHPC) under the Minnesota Department of Health. Funded by the Minnesota state, this Program’s eligibility criteria and benefits offered are established by the Minnesota Statutes section 144.1501. Primary care medical residents may take advantage of this program including professionals from the fields of Family Practice, Obstetrics and Gynecology, Pediatrics, Internal Medicine and Psychiatry. An application has to be submitted by the aspirant to the ORHPC during their final year of training.

Minnesota Rural Mid Level Practitioner Loan Forgiveness Program

The Minnesota Rural Mid Level Practitioner Loan Forgiveness Program​ offers the following amount and has the mentioned eligibility criteria for a candidate to qualify.

Amount offered: Up to $6,750 per year, for 4 years

Eligibility: Mid level practitioner students may apply for this program. This includes professionals such as Nurse Practitioners, Certified Nurse Midwives, Nurse Anesthetists, Advanced Clinical Nurse Specialists and Physician Assistants. Aspiring participants must submit an application to ORHPC in their final year of an initial licensure preparing mid level practitioner program. 

Minnesota Nurse Loan Forgiveness Program

The Minnesota Nurse Loan Forgiveness Program offers the following amount and has the mentioned eligibility criteria for a candidate to qualify. 

Amount offered:  Up to $3,750 per year, for 4 years

Eligibility:  An application must be submitted by prospective participants to ORHPC. Students completing their final year of a licensure-preparing LPN or RN program will be given more preference.

Allied Health Care Faculty or Nurse Faculty Minnesota Loan Forgiveness Program

The Allied Health Care Faculty or Nurse Faculty Minnesota Loan Forgiveness Program offers the following amount and has the mentioned eligibility criteria for a candidate to qualify. 

Amount offered:  Up to $6,750 per year, for 4 years

Eligibility:  Aspiring participants must submit an application to ORHPC while doing their final year of a master’s or doctoral program that trains them to become an allied health care educator or nurse educator.

Minnesota Rural Pharmacist Loan Forgiveness Program

The Minnesota Rural Pharmacist Loan Forgiveness Program offers the following amount and has the mentioned eligibility criteria for a candidate to qualify. 

Amount offered:  Up to $16,000 per year, for 4 years

Eligibility: An application has to be submitted by aspiring participants to the ORHPC in their final year of pharmacy school or residency training. More preference is given to students and residents in their final year of training. But remember that even licensed pharmacists who are practicing in a designated rural area may apply. 

Minnesota Dentist Loan Forgiveness Program

The Minnesota Dentist Loan Forgiveness Program offers the following amount and has the mentioned eligibility criteria for a candidate to qualify.

Amount offered:  Up to $25,000 per year, for 4 years

Eligibility: In their final year of dental training or residency, aspiring participants are required to submit an application to ORHPC. These students get more preference over licensed dentists with remaining educational debt and whose annual patient encounters include at least 25 percent state public program enrollees or patients on a sliding-fee schedule. Nonetheless, they can apply too.

Minnesota State Loan Repayment Program

The aim of Minnesota's State Loan Repayment Program (MN SLRP) is to improve healthcare access in underserved communities with recruitment and retention of primary care providers.

Amount offered:  Up to $20,000 per year, for 2 years

Eligibility

  • The candidate must be a US Citizen

  • They must have a valid license to practice in Louisiana

  • They should have student loans that are not in default

  • No other existing service commitments should be there

  • They should not be obligated under any contract to provide healthcare

  • Should not have been convicted of any felony

  • Should not have been disciplined by any state Licensing Board or Agency or even convicted by them

  • Must not have any federal liens

  • No record of any current default on any court-ordered child support payments should be there 

  • They should be employed and operate in a designated Healthcare Professional Shortage Area site

  • They must accept the terms of the agreement

Minnesota Loan Repayment Assistance Program for Law

The Minnesota Loan Repayment Assistance Program for Law was launched to encourage students to pursue law in the public interest. Student loan forgiveness may be applied for and availed by students who graduate in law from a qualifying school.

Amount offered: Varies

Eligibility

  • The candidate must have a graduation from a MN law school or from any ABA-accredited law school if they are employed at a qualified Minnesota agency.

  • A 501(c)(3) or 501(c)(4) nonprofit organization should employ them full-time as an attorney giving legal advice or representation to clients with low-income based on their financial eligibility criteria or support services for the work.

  • An income cap that is graduated applies.

Dedicated to Minnesota Dental Program Loan Repayment

The Delta Dental of Minnesota Foundation collaborates with the Minnesota Dental Foundation to make funds available to repay your qualified student loans in exchange for five years of qualifying service.

Amount offered: Varies

Eligibility

  • The candidate is required to hold a license to practice dentistry in Minnesota, or at least have plans to obtain one within 9 months;

  • They must propose to increase dental care availability in a HPSA;

  • Must have qualifying student loan held by the US Department of Education or a commercial lender;

  • They must practice full-time in a designated HPSA for a duration of five (5) years

  • They must participate annually in programs like Donated Dental Services (DDS) and Give Kids a Smile (GKAS).

Aviation Degree Loan Repayment Program 

Aviation Degree Loan Repayment Program is for pilots and aircraft technicians who have a Bachelor’s or Associate’s degree from a Minnesota institution. 

Amount offered: You could get up to $5000 per year if you are a pilot or $3,000 per year if you are a technician in return for working at least 1 year in Minnesota. 

Agricultural Education Loan Repayment Program 

Agricultural Education Loan Repayment Program is for teachers in agricultural education, working with kids in grades 5-12. 

Amount offered: You could get up to $3,000 per year for a minimum work of one year Minnesota schools.

Rural Veterinarian Loan Forgiveness Program 

With the Rural Veterinarian Loan Forgiveness Program, veterinarians can get up to $15,000 per year towards their loans in exchange for 5 years of service in a rural area with a shortage of veterinarians.


Mississippi Student Loan Forgiveness Programs

Mississippi Teacher Loan Repayment Program is the Loan Forgiveness Program for the Mississippi State. Applicants of this program must be eligible under the following criteria.

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

    Features 
  • 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. 


Missouri Student Loan Forgiveness Programs

Missouri has many different student loan forgiveness programs that are specific to just the State of Missouri.

However, residents of the State of Missouri can also potentially qualify for various Federal student loan forgiveness programs.​

PRIMO Student Loan Program​

The PRIMO Student Loan Program is a State program that gives forgivable loans to students pursuing health care training in an effort to secure a Missouri license.

Amount offered: Varies

Eligibility: The candidate must be in an eligible healthcare field.

Health Professional Nursing Student Loans

Professional and Practical Nursing Student Loans provide financial aid to students working as licensed practical nurses or professional nurses in underserved areas of Missouri.

Amount offered: Up to $2,500 or $5,000

Eligibility: Only Missouri residents are eligible to apply and they must be attending a Missouri practical or a professional nurse. Candidates will be considered to be a resident of the state of Missouri if they have lived there for more than a year for any purpose other than getting an education. 

Missouri Health Professional State Loan Repayment Program

The Missouri Health Professional State Loan Repayment Program gives student loan repayment to health professionals in exchange for practicing in a Health Professional Shortage Area (HPSA) in Missouri.

Amount offered: Up to $50,000

Eligibility

  • The candidate must be a US Citizen

  • They must be a Missouri Resident

  • They must be licensed to practice in Missouri

  • They must maintain a qualifying employment

  • They must make an agreement stating a 2 year commitment


Montana Student Loan Forgiveness Programs

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

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

They also must be a full-time educator.

1 - Physician Loan Forgiveness

This program is aimed at medical practitioners who have a license to practice in the state of Montana. 

Amount offered - Up to $100,000

Eligibility

  • Be a US Citizen

  • Be a legal resident

  • Hold a medical doctoral degree

  • Hold a 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

2 - Educator Assistance Program

This program is aimed to assist educators who work in a qualifying institute at Montana.

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 underserved in Montana

  • Teach in an underserved school district, which applies not just for financial struggles but educational challenges as well

3 - Nursing Loan Forgiveness Program

This program is aimed at professional nurses who have a license to practice in the state of Montana who has outstanding education loan debt.

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.

Nebraska Student Loan Repayment Program(NSLRP)

The funds are tax-exempt and are aimed at professionals who agree to practice for a minimum of 3 years in a state designed shortage area in the state of Nebraska.

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, etc.

  • Hold a non-provisional license

  • Should not be in residency training

Features 

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.

They also must not have any restrictions on State Licensure.

Nevada Health Service Corps

The NHSC was created to designate areas of under service within the state and match the right practitioners to the sites to cater for those in need.

Amount - Varies

Eligibility

  • Candidate should be in the qualifying health profession

  • Should have a license to practice in Nevada

  • There should not be any restriction on DEA certificate

Feature 

 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 been offering several student loan forgiveness programs for its residents even till today. The residents can make use of the State forgiveness programs and Federal forgiveness Programs. New Hampshire Loan Repayment Programs include, but are not limited to, the following.

  • New Hampshire State Loan Repayment Program

  • New Hampshire Bar Foundation Loan Repayment Programs

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.

1 - New Hampshire State Loan Repayment Program

The program aims to provide funds to healthcare professionals who are practicing in areas that are designated by the state as being medically underserved and who are willing to commit to a contract with the state to serve for a minimum of three years. 

Amount offered - Up to $75,000

Eligibility

  • Must be US Citizens

  • Do not hold any unserved 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

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

2 - New Hampshire Bar Foundation Loan Forgiveness Program (LRAP)

This program is aimed to provide loan assistance in the form of forgivable programs to ensure the ability to recruit and retain a diverse and highly qualified staff of attorneys.

Amount offered - Varies

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.

1 - John R Justice Federal Student Loan Redemption Program

(due to budget restrictions there are no new funds available)

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

2 - Primary Care Physician and Dentist Loan Redemption Program

This program is aimed to create primary care accessible to medically underserved areas in the state.

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 contract 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

3 - Nursing Faculty Loan Redemption Program

The primary objective of this program is to address the current and projected critical shortage of nurse faculty in the state of New Jersey by providing an incentive for persons to enter graduate nursing programs by offering loan redemption in exchange for full-time employment at a school of nursing in the state.

Eligibility

  • Should reside in New Jersey and should also hold a domicile certification of 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

  • Loans should not have been in default


New Mexico Student Loan Forgiveness Programs

New Mexico has many different student loan forgiveness programs that are specific to just the State of New Mexico.

However, residents of New Mexico can also potentially qualify for various Federal student loan forgiveness programs.​

Health Professional Loan Repayment Program​

The New Mexico Health Professional Loan Repayment Program (HPLRP) offers repayment for any outstanding student loans of health professionals who are practicing. The program requires that a health professional make a two year service commitment to serve full-time in an area that is designated to have a shortage of medical care in New Mexico.

Amount offered: Up to $25,000 per year

Eligibility

  • The candidate must be a U.S. Citizen or permanent resident alien

  • They must be a New Mexico Resident, i.e must have lived there for 12 consecutive months

  • They must have a license or certification in the state of New Mexico by the date funding begins

  • They must be employed full time, i.e. at least 40 hours a week

John R. Justice Loan Repayment Program

The New Mexico John R Justice Program offers to provide student loan repayment benefits to prosecutors and public defenders in New Mexico. This program is funded by the John R. Justice (JRJ) Program. The program aims to encourage attorneys to take up careers as prosecutors and public defenders.

Amount offered: Up to $8,300 per year, for a maximum of $60,000

Eligibility

  • The candidate must have employment from the state from which they receive the JRJ funding.

  • They must have full time employment

  • They must have a license to practice law.

  • None of their federal student loans should be in default.

Public Service Law Loan Repayment Program

The New Mexico Public Service Law Loan Repayment Assistance Program (LRAP) offers to provide legal student loan repayment help to people doing public service work in state or local government or the non-profit sector in New Mexico to low income or underserved residents.

Amount offered: Up to $7,200 per year

Eligibility

  • The candidate’s annual salary should not exceed $55,000.

  • They must hold a license to practice as an attorney in New Mexico and should declare intent to work as an attorney in public service employment in New Mexico.

  • None of their student loans(past or present) should be in default and they should have been taken out for legal education expenses.

  • They must be employed at an eligible employment site as an attorney

  • They must agree to a three (3) year commitment to work in Public Service Law.


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. 

1 - District Attorney and Indigent Legal Services Attorney Loan Forgiveness Program

This program is specifically for practicing attorneys in the state of New York.

Eligibility

  • 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

2 - NYS Licensed Social Worker Loan Forgiveness Program

This program is specifically aimed for social workers who are licensed to work in New York.

Eligibility

  • Legal residents of New York State for a minimum of 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

3 - Nursing Faculty Loan Forgiveness Incentive Program

This program is aimed to assist in the educational loan repayment for Nurses practicing as a nurse faculty in New York.

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

4 - New York State Young Farmers Loan Forgiveness Program

This is currently the only loan forgiveness program available for farmers in New York.

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

5 - 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 an 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

6 - Albany Law School Loan Repayment Assistance Program

This program is aimed to alleviate the financial burden of those law graduates who aim to pursue a career in public service.

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

  • 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

7 - Physician Loan Repayment

This program is aimed towards medical practitioners and incentivizes them to work in the nations underserved areas.

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

8 - New York City Loan Forgiveness Program

This program is specifically for those students who have graduated from a college or university in New York.

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 one 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

9 - Steven C Krane Loan Assistance for Public Interest Program

This program aims to provide assistance to those lawyers who are dedicated to working for public service in New York.

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 North Dakota Dental Loan Repayment Program. Here is some additional information regarding the program.

2 - North Dakota Dental Loan Repayment Program (SLRP)

This program is specifically targeted towards dental practitioners.

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.


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 of up to $1,054. The beneficiary should be employed in his/her respective JRJ funded state.

The beneficiary should be licensed to practice law.


Learn more on Student loan forgiveness programs in Ohio 


Oklahoma Student Loan Forgiveness Programs

Oklahoma has many different student loan forgiveness programs that are specific to just the State of Oklahoma.

However, residents of Oklahoma can also potentially qualify for various Federal student loan forgiveness programs.​

Oklahoma Medical Loan Repayment Program​

The Oklahoma Medical Loan Repayment Program​ was launched to provide student loan repayment help to licensed primary care physicians from Oklahoma who agree to set up a practice in a community in the state of Oklahoma approved by the Commission.

Amount offered:  Up to $160,000

Eligibility

  • The candidate must have a license to practice medicine in Oklahoma.

  • They must be a primary care provider.

  • They must be the recipient of any previous assistance from PMTC.

  • They should also not have any service obligation that would conflict with this program.

Oklahoma Dental Loan Repayment Program

The Oklahoma Dental Loan Repayment Act was authorized by the state legislature in 2006 in an effort to increase the number of dentists serving those dependent on the state for dental care. This program also makes dental care accessible to underserved areas. It provides student loan repayment assistance to a total of twenty-five Oklahoma licensed dentists for a 2 to 5 year period per dentist.

Amount offered: At least $25,000 per year

Eligibility: If applicable faculty positions are available at the University of Oklahoma College of Dentistry, dentists entering this program may agree to teach there. Or they should agree to provide dental care in a designated shortage area in Oklahoma. Most of the patients treated are medicare recipients. Any physician practicing as a Pediatric Dentistry Specialist or in a Federally Qualified Health Center (FQHC), FQHC look-alike, county health department, or city-county health department may be given an exemption from the requirement to practice in a designated dental health professional shortage area.

Physician/Community Match Loan

Any qualified primary care physician (FP, IM, Ped, OB, ER) may avail a loan forgiveness fund from a rural Oklahoma community, along with PMTC, to establish a full-time practice. The physician is required to repay the loan by practicing medicine in that community.

Amount offered: Up to $40,000

Eligibility

  • The candidate must want to practice in an Oklahoma community that is a participant in the Match Program.

  • They must have graduated from an accredited medical or osteopathic college having successfully completed a postdoctoral program in primary care.

  • The candidate should not have received any funds through PMTC scholarship loan programs previously.

  • They should have no other assistance which conflicts with their service obligation requirement.


Oregon Student Loan Forgiveness Programs (LRAP)

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

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 and 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.

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 programs include, but not limited to, the following.

  • Pennsylvania Primary Care Loan Repayment Program

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

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.

1 - Pennsylvania Primary Care Loan Repayment Program (LRP)

This program is specifically aimed towards dentists and physicians to apply for full time and half time services.

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

2 - Pennsylvania Bar Foundation – PA IOLTA Board Loan Repayment Assistance Program

This program aims to help attorneys employed at the IOLTA funded legal service organizations to help better manage their law school student loan debt so they can remain in public service.

Amount - Varies

Eligibility

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

  • Hold a 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 the New England region 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. 

1 -Primary Care Practitioner Loan Forgiveness Program

This program is aimed at recruit and retaining primary care practitioners to practice in designated health professional shortage areas.(HPSA) 

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

2  - Health Professional Loan Repayment Program

This program is aimed to increase the number of qualified health professionals to practice at designated underserved areas and certified sites which have a health professionals shortage.

Amount offered - Varies for each applicant

Eligibility

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

  • 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

3 - Nurse Educators Loan Forgiveness Program

This program is aimed at nurse educators in maintaining their teaching careers within the state of Illinois.

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

4 - Wavemaker Fellowship

This Fellowship in encouraging graduates a career in technology, design, etc by providing a financial incentive.

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.

Rural Areas Assistance Program

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.

Amount offered - Varies

Eligibility

  • Graduated from USC School of Law

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

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


South Dakota Student Loan Forgiveness Programs

South Dakota has a student loan forgiveness program that is specific to just the State of South Dakota.

However, residents of South Dakota can also potentially qualify for various Federal student loan forgiveness programs.​

Delta Dental Loan Repayment for Service Program​

Delta Dental of South Dakota recruits a certain number of dentists who are willing to serve a specific percentage of Medicaid-insured patients. It offers them Student Loan Repayment Assistance. Doctors may also practice on their own along with serving in Delta’s Mobile Dental Program.

Amount offered:  Up to $100,000


Tennessee Student Loan Forgiveness Program

Tennessee is one of the few states to have NO student loan forgiveness programs that are specific to just the State of Tennessee.

However, residents of Tennessee can also potentially qualify for various Federal student loan forgiveness programs.​


Texas Student Loan Forgiveness Programs

Texas Student Loan Forgiveness Programs are quite extensive as given below.

  • 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.

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 a recipient of Legal Services Corporation fund, or Texas non-profit granting civil legal services


Utah Student Loan Forgiveness Program

Utah has many two student loan forgiveness programs that are specific to just the State of Utah.

However, residents of Utah can also potentially qualify for various Federal student loan forgiveness programs.​

Rural Physician Loan Repayment Program (RPLRP)

The Rural Physician Loan Repayment Program (RPLRP) wishes to recruit physicians who will work in rural hospitals under a contract for a minimum duration of two years. It promises to offer them student loan repayment assistance.

Amount offered: $15,000 per year, minimum of 2 year commitment

Health Care Workforce Financial Assistance Program (HCWFAP)

The Health Care Workforce Financial Assistance Program (HCWFAP) aims to recruit healthcare professionals who will practice in underserved areas. It promises to provide student loan repayment assistance to these professionals.

These locations will have to be present in Health Professional Shortage Areas or HPSAs.

Amount offered: This program was not funded for in 2020


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 given programs.

  • 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

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, but not limited to, the following.

  • Virginia State Loan Repayment Program

  • Virginia Loan Forgiveness Program(VLFP)

  • LSC Loan Repayment Assistance Program

Amount 

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

Eligibility

  • 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.


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 the 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


West Virginia Student Loan Forgiveness Program

West Virginia is one of the few states to have NO student loan forgiveness programs that are specific to just the State of West Virginia.

However, residents of West Virginia can also potentially qualify for various Federal student loan forgiveness programs.​


Wisconsin Student Loan Forgiveness Programs

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

1 - Health Professions Loan Assistance Program

This program is aimed at encouraging students to pursue a career in medicine without having to worry about the financial burden.

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.

2 -  Rural Physician Loan Assistance Program

This program aims to provide financial assistance to primary care professionals. 

Amount offered - Up to $50,000

Eligibility

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

3 - Indian Health Service Loan Repayment Program

This program aims to offset the high costs of medical school in return for a service commitment.

Amount offered - $24,000

Eligibility

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

4 - Health Professional’s Loan Assistance Program

This program aims to provide loan repayment assistance to primary care practitioners.

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 of up to $24,000

Feature

It is available to those in psychiatry, primary care, dental hygiene, dentistry, and more.


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.

1 - 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 resident

  • 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 a 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 a breach of contract

2 - Wyoming Veterinary Loan Repayment Program

(Does not fund for programs between 1 July 2018, and 30 June 2020)

Amount  - $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 Forgiveness Programs.

Social workers can also benefit well from the forgiveness plans provisioned to them.

Most states grant forgiveness to their own residents only.

There are citizens who even shift places in order 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. 

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Frequently Asked Questions

  • 1.Which program is best for student loan forgiveness?

    PSLF is the best student loan forgiveness programme. It provides 100% forgiveness facility to the doctors and other high degree professionals after successful 120 payments monthly on income-driven repayment option.

  • 2.Can loan debts be cancelled state-wise?

    Loan debt state-wise cancellation is an issue of concern arising currently in the US government, but the government does not put any final decision towards cancellation of sate-wise loans but has indicated relief the borrowers.

  • 3.What is the amount offered by the California state government body for repayment of student loan programs?

    The California State Government body provides a maximum estimated amount of  $10,000.00 for repayment of student loans.

  • 4.What is a pro of the Colorado Health Service Corps?

    One of the pros of Colorado Health Service Corps was they use to refinance loans faster making it hassle-free for the borrowers.

  • 5.Do all the states in the US provide student loans programs?

    Omitting a feeble number of states in the US almost all the states provide student loan programs. Apart from this, there are a lot of financial grants, aids, scholarships and beneficial assistance provided by US states.

  • 6.How to legally get rid of student loans?

    To get legally rid of student loans, you can apply for student loan forgiveness programs. all you need is to pay one-time forgiveness amount and you are all relieved after all the procedures.

  • 7.Can a borrower living in a different state apply for a student loan in a different state in the US?

    It is not properly disclosed, but to do so Borrowers have to talk to there lenders. The chances could be variable.