Texas student loan forgiveness and repayment programs

Got student loans in texas and looking for ways to get forgiveness or repayment plans? We've got it all in detail here, check it out in the article below

Updated by Sharan Kumar on 10th June 2019

Student Loan Forgiveness in the State of Texas 

In case you have student loans that are the size of Texas, even though Texas is one of the most affordable places for you to pay off your student debt according to some, it does not necessarily make it an easy affair.

Thankfully you have the access to the student loan forgiveness in the state of Texas. If you really need to get out from under all that student loan debt that is crushing you, this is your place to start from.

Texas has a couple of student loan forgiveness and repayment programs, most of them are either aimed at those in the healthcare setup or those who are in the education system, but there are other opportunities for those that do not fall under either of the two categories that are mentioned above.

Also, you will need to keep in mind that some of the programs we are going to mention have been suspended, but their funding might be reinstated at a later period. you are able to find out more information on the various programs by paying a visit to the Texas Higher Education Coordinating Board (THECB) website.

Here are some of the forgiveness and repayment programs that are available to those needing to pay off their student loans in the state of Texas.

List of Content

Physician's Education Loan repayment program 

Here you are eligible to get up to a max amount of $160,000 over a period of 4 years in order to help you pay off your student loan debt which you incurred during the process of becoming a doctor.

If you do agree to practice in a Health Professional Shortage Area (HPSA) or are able to meet the minimum requirements for being able to provide services to those that are enrolled in Texas women's health program or Medicaid.

Applications are accepted quarterly, and service periods are then renewed on a yearly basis. To be able to receive the full amount of $160,000 you will be needed to become certified in either one of the following specialties in the time period lasting from either before or during your service period -

  • Internal medicine

  • Pediatrics

  • Family medicine

  • Psychiatry

  • Geriatrics

  • Obstetrics and Gynecology

The requirements for this program -

  • You must agree to complete work for a duration lasting 4 consecutive service periods in an HPSA or a qualifying correctional facility

  • You are also required to provide care to the Medicaid and Children's Health Insurance Program recipients.

  • You cannot currently be fulfilling service periods for any other scholarships or loan repayment programs.

Program Status - Currently Active

Math and Science Scholars Loan repayment program

This is a program for those scholars who have studied in the fields of Math and Science and the awards tend to vary according to the point system which in turn is based on the number of Math and Science Courses that you have completed, also it is related to the Texas school that you are employed at.

The program has about $2,750,000 available for the provision of loan repayment, which is granted to eligible teachers based solely on their application.

The requirements for this program are as follows -

  • You are required to hold a U.S. Citizenship

  • You must have completed a program (undergraduate or graduate) in the fields of Math or science.

  • You must have a degree that you finished with a cumulative GPA of 3.5 or above.

  • You must also be certified to teach Science or Math in a public school in the state of Texas.

  • You are required to have a contract to teach at a title I school as a full-time teacher.

  • You are not eligible to be receiving any other teacher loan forgiveness program.

Program status - Applications are no longer available for the year 2018-19 so check for the year 2019-20 in early to mid-2019.

The Texas Student loan repayment assistance program for lawyers

Unlike the rest of the program that deals with student loan forgiveness in the state of Texas which are all given out through the THECB, this Texas student loan forgiveness program is offered to those eligible through the Texas Access to Justice Foundation. It is funded by the State Bar of Texas.

Attorneys are able to apply on a quarterly basis if they work in areas where help for low-income citizens is required. Money is awarded on a when required basis, based on your situation and depending on your participation in other student aid programs.

Requirements for this program -

  • You are required to work in a Texas legal aid program

  • You need to be recognized by the state bar of Texas as a Lawyer

  • You need to earn a relatively low income (The foundation mentions the avg salary of recipients to be less than about $50,000 a year)

Program status - Currently Active.

St. David's Foundation public health corps Loan repayment program

Physicians and Dentists are able to apply and get up to an amount of $30,000 a year for a period of 4 years, and Physicians and nurse practitioners are able to secure about $15,000 a year from this student loan forgiveness program in the state of Texas.

The St. David's foundation provides money to the THECB to disburse healthcare providers who meet the stipulations mentioned below.

The requirements for this program are as follows -

  • You are required to have a U.S. Citizenship, be a permanent resident, or have some other authorization so you are able to work in the U.S.

  • You are required to provide service at a participating site for at least 4 years.

  • You are required to have and keep a proper license or certification from a recognized governing body

Program status - Currently on Hold. The state organization will no longer be the one administering the program. Grants have been given out for the year 2017, but applications since the year 2018 have been stipulated to come out through another agency. 

Loan Repayment program for Mental health Professionals

Here the aggregate awards range anywhere from $40,000 up to $160,000 and are available over the course of over 5 years, this depends on your mental health job. Money is an award based on how many years you have remained in your service or the program. You are able to get about 10% of the total in the first year, receiving a greater % every year successively until you reach the max.

The types of mental health professionals that are eligible and the amounts that are offered to each of the said professionals -

  • Psychiatrists - up to $160,000

  • Psychologists - up to $80,000

  • Licensed clinical social workers with a doctoral degree - up to $80,000

  • Licensed professional counselors with a doctoral degree - up to $80,000

  • Advanced practice nurses who are board-certified in mental health or psychiatric nursing - Up to $60,000

  • Licensed professional counselors and clinical social workers who are without a doctoral degree - Up to $40,000

The requirements of this program are as follows -

  • You are required to work in an area that is currently in a shortage of Mental Health Professionals

  • You also need to have no more than about 25% of the total employment hours conducted through telemedicine.

  • You need to service those that are enrolled in the Children's Health Insurance Program and Medicaid.

  • You are required to agree to provide 5 consecutive years of service.

Program status - Currently closed for the 2018 fiscal year but could reopen for the year 2019 soon depending on available funding.

Nursing Faculty Loan repayment assistance program

If you are a nursing degree graduate and are currently teaching as a faculty member at an approved Texas nursing program, you are eligible to receive as much as about $7,000 yearly for up to 5 years. You are required to provide your lender information because this program pays for your loans directly without routing the funds through you.

The requirements of this program are as follows -

  • You are required to have completed a master's or a doctoral nursing degree.

  • You need to be licensed by the Texas board of nursing.

  • You need to be employed as a full-time faculty for a period of 1 year at least in an eligible nursing program.

  • You should not be in default on any of your student loans.

Program status - Currently unknown as the Update for the academic year of 2018-19 has yet to be published. 

Teach for Texas loan repayment assistance program 

If you are willing to teach any specialty that has been identified as an area that is in shortage then you might be eligible to get access to up to $5,000 a year. Recipients are limited to a total amount of $20,000 and can not tap into these funds for a period of more than 5 years. You are able to find a list of shortage areas at the Texas education agency website.

The list of requirements for this program are as follows - 

  • You are required to teach at a public school in Texas either preschool, primary or secondary school.

  • You need to have certification in the field that is identified as having a shortage.

  • You need to be willing to teach full time at a school that is identified to have a teacher shortage.

Program Status - On hold for application until Sept of 2019. For those already in the program, it is possible to file for continuing assistance. 

Loan repayment program for the Speech-language pathologists and Audiologists

If you work in a school district, you can be eligible for up to $6,000 a year, if you are part of a doctoral faculty at any college or university communicative disorders program, you are able to qualify for up to $9,000. Both of these awards run for a time period of 5 years.

The requirements for these awards are as follows -

  • You need to have graduated from a Communicative disorders program.

  • You need to be employed as a speech and language pathologist or audiologist in a public school district in Texas or at an institution of higher education as a doctoral faculty.

  • You are required to hold proper licenses and/or certificates that are required from the appropriate governing bodies.

Program status - Currently on hold due to the lack of state funds, but it might reopen if any other sources of funding are found. The award was even subsidized in the year 2014-15 by the Texas speech and language hearing association.

Border County Doctoral Faculty education loan repayment program 

You are eligible to receive up to a set amount of $5,000 every year for up to a period of 10 years with this program if you are entitled with a doctoral degree and you also agree to teach full time at a college or a university in Texas county that borders Mexico.

The requirements of this program are as follows -

  • You received your doctoral degree at an accredited institution on or after the date of 9/1/1994.

  • You are employed full time as a doctoral faculty member involved with instructional duties.

  • You have experience working as a full-time faculty in said capacity for a period of one full academic year.

Program status - Currently on hold and not accepting applications until September of 2019 at the earliest. 

The Dental Education Loan repayment

In case you are a dentist who agrees to practice in a dental care health professional shortage area (DHPSA) you are eligible to receive up to about $10,000 yearly in order to help you pay back your student loans. You are able to find a list of federally designated DHPSAs in Texas by using the Health resources and services administration website.

The requirements of the program are as follows -

  • You are either practicing Pediatric or general dentistry.

  • You serve patients regardless of their ability to pay.

  • You accept Medicaid assignments as full payment

  • You maintain a license from the Board of Dental Examiners in the state of Texas

  • You have no disciplinary actions pending or completed from the Board of Dental Examiners in Texas

Program status - Currently on hold and not accepting any applications until the Sept of 2019 as of the earliest.

Loan repayment assistance through your own school

Some texas colleges and universities tend to offer their own loan forgiveness programs. Call your alma mater to get to know if these programs are available. For example, The University of Texas at Austin has on offer a loan assistance program for the law school graduates of its own.

Do not forget to check for Federal student loan forgiveness programs

Regardless of where you live, this includes the state of Texas, you are eligible and are granted to have access to federal student loan forgiveness programs. The federal government offers programs that are aimed at helping teachers, health care professionals, veterans and public servants pay off their student loans.

Double check all your provisions but. Depending on your current situation and the loan forgiveness program you may not be eligible to get help from either state or federal funding sources at the same time. So be careful and cautiously compare programs to figure out which course of action will most likely benefit you the most.



  Where to apply for Physician Education Loan Repayment Program?

You should be able to apply for the Physician Education Loan Repayment Program on the THECB website.

  How many people are allowed in the program?

Although we currently have not known any limit to the number of people who are allowed into this program, the number this is actually allowed can vary and will usually be accepted for as long as the funding for the program is available. But there is a limit of only 10 physicians who are allowed every year if the physician works for a secure correctional facility.

  How many Medicaid patients do I need to see?

There is no mentioned minimum number of Medicaid patients that you are required to see if you work in an HPSA. But, if you are not currently working in an HPSA, you are required to meet the service levels above to possibly be awarded funds. The number of unduplicated clients will be cross verified by the Health and Human Services Commission.

  What is considered full-time?

For the consideration of working at some of the institutions and for the qualification of some of the programs which need you to work full time, hence full time is specified as a minimum of 32.5 hours of work with direct patient care per week.

  Can I get student loan repayment help from my school?

Yes, it is possible but only with a couple of schools, get in touch with your school's alma mater to figure out what forgiveness programs might be available at your school. Take for example the University of Texas at Austin offering a student loan assistance program for its own law graduates.

  Do student loans get forgiven after a period of 10 years?

Those Borrowers who have signed up for the income-driven repayment plan are also eligible for the forgiveness after a period of 20-25 years, but for those who currently work full time for public service or a nonprofit employer can have their loans forgiven after a period of 10 years with the PSLF. But, borrowers who repaid their student loans with the graduated or extended plans do not qualify for the PSLF.

  How can I get out of paying back my student loans?

If you find yourself in a situation being unable to pay back your student loans because the times are bad, here are a few options to consider.

  • Get in touch with your loan servicer

  • Change your repayment plan

  • Have a look at consolidation

  • Think about deferment or forbearance.

  • Consider loan forgiveness

  How much of your Social Security can be garnished for student loans?

Through the federal payment levy program, social security benefits are put through a 15% levy to pay for the delinquent taxes. If you owe non-tax debts in some other agencies, the first $750 of your social security payment every month is not accessible for garnishment.

  What is the Obama student loan forgiveness program?

President Obama made a couple of changes to the federal student loan forgiveness program. The Federal Government no longer subsidizes any private lending institutions for the federally backed loans. Borrowers of any new loans beginning in the year 2014 will qualify to make payments totally based on 10% of their discretionary income.

  Is it possible to get student loan forgiveness if your student loans are in default?

In case you failed to make payments and your student loans are in default now, do not let the consequences affect your financial future. One of the ways you can get out of the trouble is repaying your student loan in full but that is not a practical option for many of the borrowers.