144 Student Loan Forgiveness Programs

Last Updated: September 1, 2021 by Melanie Hanson

Below is a list of 144 student loan forgiveness programs starting with national student loans. In many programs there is a maximum amount that will be forgiven, however, the actual amount will vary from person to person. 

  • Each state has its own iteration of a rural or low income forgiveness program for health care professionals.   
  • There are student loan forgiveness programs for the various branches of the military and federal agencies. 
  • Receiving payments from one loan forgiveness program may affect the recipients eligibility with another loan forgiveness program. 

Public Service Loan Forgiveness Program (PSLF)

Requirements: The PSLF is available for employees of a U.S. federal, state, local, or tribal government. It is also available for employees of a non-profit organization.  The applicant must also work full-time – at least 30 hours per week.

Eligible Loan Types: Direct loan or direct consolidation loan. 

Amount Forgiven: 100%. The program forgives any remaining balance on an individual’s direct loans after they have made 120 monthly payments under a repayment plan. 

Temporary Expanded Public Service Loan Forgiveness Program (TEPSLF)

Requirements: The TEPSLF allows some unqualified repayment plans to become eligible for forgiveness if they did not initially qualify for the PSLF program. An applicant must have 10 years of full-time employment under a qualified employer. 

Eligible Loan Types: Direct loan or direct consolidation loan. The TEPSLF differs from the PSLF in that it qualifies the Graduated Repayment Plan, the Extended Repayment Plan, the Consolidation Standard Repayment Plan, and the Consolidation Graduated Repayment Plan for loan forgiveness. 

Amount Forgiven: 100%

Teacher Loan Forgiveness Program

Requirements: In order to qualify, the applicant must be a full time teacher for five consecutive years. The applicant must also have taught in a school or educational service agency that serves low-income students. 

Eligible Loan Types: Direct loans and Federal family education loans. 

Amount Forgiven: The Teacher Loan Forgiveness Program forgives up to $17,500 in direct subsidized or unsubsidized loans. The $17,500 is only for teachers in special subject matter areas such as mathematics, science, or special education. Other subject matter areas are eligible to receive up to $5,000. A teacher may receive both the $17,500 and the $5,000 if they have loans under both the Direct Loan Program and the Federal Family Education Loan Program. 

Borrower Defense Loan Discharge Program

Requirements: The Borrower Defense Loan Discharge Program is a forgiveness program for loan holders who were wronged by their college or university. The college or university either mislead the applicant or violated a law in regards to the student’s loans.

Eligible Loan Types: Only direct loans are eligible for this discharge program. 

Amount Forgiven: 56% of applicants receive full loan forgiveness. 44% received partial loan forgiveness. 

National Health Service Corps Loan Repayment Program

Requirements: The NHSC Loan Repayment Program is available to primary care clinicians who are willing to serve at least 2 years in an NHSC approved Health Professional Shortage Area. Eligible primary care areas include medical, dental, and mental health. The program prioritizes applicants from a disadvantaged background. The program also prioritizes applicants who have completed specialized training needed by the NHSC. 

Eligible Loan Types: For undergraduate or graduate education tuition, other educational expenses, or cost of attendance. 

Amount Forgiven: Full time service for 2 years can earn a participant up to $50,000 in loan forgiveness. Part time service for 2 years can earn a participant up to $25,000 in loan forgiveness. 

Forgiveness with Income-Based Repayment (IBR)

Requirements: Applicant must have an IBR loan that has lasted beyond 25 years. If the loan originated after July 1st, 2014, the term limit is 20 years. 

Eligible Loan Types: Direct loans. FFEL Plus loans made to graduate or professional students. 

Amount Forgiven: 100% 

Forgiveness with Income-Contingent Repayment (ICR)

Requirements:  Applicant must have an ICR loan that has lasted beyond 25 years. 

Eligible Loan Types: Direct loans. Direct Plus loans to graduate students. 

Amount Forgiven: 100%.

Forgiveness with Pay As You Earn (PAYE)

Requirements: Applicant must have a PAYE loan that has lasted for 20 years or the applicant must have worked for at least 10 years working for the public or towards a public good. 

Eligible Loan Types: Direct loans. 

Amount Forgiven: 100% 

Forgiveness with Revised Pay As You Earn (REPAYE)

Requirements: Applicant must have undergraduate loans lasting more than 20 years. Graduate school loans are forgiven after 25 years. 

Eligible Loan Types: Direct Loans.

Amount Forgiven: 100%.

Nurse Corps Loan Repayment Program

Requirements: Applicant must be a Registered Nurse or Advance Practice Nurse working with an underserved community in a critical shortage facility.

Eligible Loan Types: Public and private Loans.

Amount Forgiven: 85% of the loan forgiven.

USDA Veterinary Medicine Loan Repayment Program

Requirements: Applicant must commit to 3 years of service in a designated veterinarian shortage area.

Eligible Loan Types: Loans that are subject to federal supervision; private or public.

Amount Forgiven: Up to $25,000 forgiven annually.

AmeriCorps Education Award

Requirements: Applicant must complete their AmeriCorps term of service and enroll in the National Service Trust. Full time employment for 1 year.

Eligible Loan Types: Stafford loans. Perkins loans. Direct loans. 

Amount Forgiven: $6,195 forgiven.

Federal Employee Student Loan Repayment Program

Requirements: This program is specifically for employees of a federal agency.

Eligible Loan Types: FFEL loans. Direct loans.

Amount Forgiven: $10,000 forgiven annually up to a maximum of $60,000 for 6 years. 

Borrower Defense To Repayment Discharge (BDR)

Requirements: Applicant must demonstrate that their college or university deceived or defrauded them when they took out student loans.

Eligible Loan Types: Direct loans are eligible.

Amount Forgiven: Partial or full amount of loan forgiven.

Closed School Loan Forgiveness

Requirements: Available specifically to those students who were unable to complete their programs because their school shut down.

Eligible Loan Types: Direct loan. Family Education loans. Perkins loans. 

Amount Forgiven: Full amount forgiven.

Total and Permanent Disability Discharge (TPD)

Requirements: This program is specifically for students who have been permanently disabled or students temporarily disabled for 60 months.

Eligible Loan Types: Direct loan. Family Education loans. Perkins loans.

Amount Forgiven: Full amount forgiven.

Death Discharge 

Requirements: The borrower has passed away. 

Eligible Loan Types: Direct loans. Perkins loans. Parent’s Plus loans. 

Amount Forgiven: Full amount forgiven.

Federal Perkins Loan Cancellation

Requirements: 5 years of service in a profession dedicated to a public good.

Eligible Loan Types: Perkins loans.

Amount Forgiven: Full amount forgiven for most professions. 70% for AmeriCorps VISTA or Peace Corps volunteers.

Federal Loan Bankruptcy Discharge

Requirements: For individuals with student loans going into bankruptcy.

Eligible Loan Types: Parent Plus loans. Federal student loans.

Amount Forgiven: Partial amount or full amount forgiven. Altered loan interest rates may also be an option.

False Certification Discharge

Requirements: This program is specifically for students whose credentials were falsified by their schools in order to receive a loan.

Eligible Loan Types: FFEL loans. Direct loans. Parent Plus loans.

Amount Forgiven: Full amount forgiven.

Unpaid Refund Discharge

Requirements: This program applies to applicants who withdrew from college and the college did not make a required return of the loan funds to the loan servicer.

Eligible Loan Types: FFEL loans. Direct loans. Parent Plus loans.

Amount Forgiven: Full amount forgiven.

Indian Health Service Loan Repayment Program

Requirements: The applicant must have committed at least 2 years of service in a health facility for American Indians and/or Alaskan Natives.

Eligible Loan Types: Only health education loans related to the profession.

Amount Forgiven: Up to $40,000 forgiven.

National Institutes of Health (NIH) Loan Repayment Programs

Requirements: The borrower must work on NIH mission-relevant research, either within the NIH or outside the organization. Examples: AIDS research, Pediatric Research, or Contraception and Infertility Research.

Eligible Loan Types: Health education loans public or private. 

Amount Forgiven: Up to $50,000 forgiven annually.

Department of Justice Attorney Student Loan Repayment Program (ASLRP)

Requirements: 3 year service commitment. 

Eligible Loan Types: Stafford loans. Direct loans. Perkins loans.

Amount Forgiven: $6,000 forgiven every year for a maximum of $60,000.

John R. Justice Student Loan Repayment Program

Requirements: Must be a local, state, or federal public defender or a local or state prosecutor.

Eligible Loan Types: FFELP loans or direct educational loans.

Amount Forgiven: Average of $4,000 as an annual award. 3 year commitment. Maximum forgiveness of $60,000 total.

Herbert S. Garten Loan Repayment Assistance Program

Requirements: Lottery style program. Applicant must be an Attorney employed under a program that received funding from the Legal Services Corporation.

Eligible Loan Types: Law student loans. Perkins loans. Stafford loans.

Amount Forgiven: Up to $5,600 forgiven.

Specialty Equipment Market Association Loan Forgiveness Program (SEMA)

Requirements: Program is available to employees of SEMA-member companies.

Eligible Loan Types: Unspecified loans.

Amount Forgiven: Up to $5,000 forgiven.

United States Air Force Judge Advocate General’s Corps (JAG) Student Loan Repayment Program

Requirements: The service member applying for the application must also have a JD/law degree. They must also be serving a 4 year commitment with the JAG.

Eligible Loan Types: Direct loans, Perkins loans, Private loans. A majority of loans.

Amount Forgiven: $65,000 maximum forgiven over a 3 year period.

Service Members Civil Relief Act (SCRA)

Requirements: Military service required.

Eligible Loan Types: FFEL and direct Loans after August 14, 2008. 

Amount Forgiven: Minimizes interest on a student loan to 6%.

Military College Loan Repayment Program (CLRP) Army

Requirements: Must be an active or drilling member of the Regular Army, National Guard, or Army Reserve.

Eligible Loan Types: Direct loans, Perkins loans, private loans. A majority of loans.

Amount Forgiven: $65,000 maximum forgiven over a 3 year period. National Guard is capped at $50,000 forgiven over a 6 year commitment.

Military College Loan Repayment Program (CLRP) Air Force

Requirements: Enlistee must commit to 3 years of service.

Eligible Loan Types: Direct loans, Perkins loans, Stafford loans.

Amount Forgiven: $65,000 maximum forgiven over a 3 year period.

Requirements: Enlistee must commit to 3 years of service.

Eligible Loan Types: Direct loans and Stafford loans. 

Amount Forgiven: $65,000 maximum forgiven over a 3 year period.

Dental Loan Forgiveness – Army

Requirements: Enlisted in the army as a dental practitioner.

Eligible Loan Types: Dental School Loans.

Amount Forgiven: On active duty; $120,000 forgiven over a 3 year period. On reserve duty; $50,000 forgiven over 3 years.

Physician Loan Forgiveness – Army

Requirements: Enlisted in the army as a physician.

Eligible Loan Types: Physician school loans.

Amount Forgiven: On active duty; $120,000 forgiven over a 3 year period. On reserve duty; $50,000 forgiven over 3 years.

Physician Assistant Loan Forgiveness – Army

Requirements: Enlisted in the army as a physician assistant.

Eligible Loan Types: Physician Assistant school loans.

Amount Forgiven: On Active Duty; $120,000 forgiven over a 3 year period.

Nurse Loan Forgiveness – Army

Requirements: Enlisted in the army as a nurse.

Eligible Loan Types: Nursing school loans.

Amount Forgiven: On Active Duty; $120,000 awarded over a 3 year period.

Veterinarian Loan Forgiveness – Army

Requirements: Enlisted in the army as a veterinarian.

Eligible Loan Types: Veterinarian school loans. 

Amount Forgiven: On Active Duty; $120,000 forgiven over a 3 year period. On Reserve Duty; $50,000 forgiven over 3 years.

Other Medical Professions Loan Forgiveness – Army

Requirements: Enlisted in the Army in a medical profession.

Eligible Loan Types: Medical school loans. 

Amount Forgiven: On Reserve Duty; $50,000 forgiven over 3 years.

State Loan Forgiveness Program

Requirements: General federal grant to the states to fund individual state loan forgiveness programs. Each state will have different eligible professions.

Eligible Loan Types: Eligible loans are dependent on the state requirements. 

Amount Forgiven: Amount forgiven varies per state program.

Alaska SHARP Loan Forgiveness Program

Requirements: Licensed practitioner in a health related profession.

Eligible Loan Types: Health education loans. Approved commercial lenders or public lenders.

Amount Forgiven: Amounts vary on a Tier system. Up to $27,000 forgiven annually for one tier. Up to $47,000 for the other tier.

Arizona Primary Care Provider Loan Repayment Program (PCPLRP)

Requirements: 2 year commitment in a federally designated health professional shortage area (HPSA).

Eligible Loan Types: Government and commercial loans that covered health professional education.

Amount Forgiven: Amounts vary per health care profession and time committed. $25,000 to $65,000 forgiven in the initial 2 year commitment. Subsequent years offer less money.

Arizona Rural Private Primary Care Provider Loan Repayment Program (RPPCPLRP)

Requirements: 2 year commitment in a rural private primary care practice in a federally designated HPSA or in a state designated medically underserved area.

Eligible Loan Types: Government and commercial loans that covered health professional education.

Amount Forgiven: Amounts vary per health care profession and time committed. $25,000 to $65,000 forgiven in the initial 2 year commitment. Subsequent years offer less money.

Arkansas State Teach Education Program (STEP)

Requirements: Applicant must be a teacher working in an area or subject matter that has a critical shortage of teachers.

Eligible Loan Types: Unspecified: “federal student loans”.

Amount Forgiven: $3,000 to $4,000 forgiven annually. Application must be resubmitted every year. 3 years maximum.

California Steven M. Thompson Physician Corps Loan Repayment Program (STLRP)

Requirements: Program specifically for physicians or surgeons. Applicant must work at an eligible public service location.

Eligible Loan Types: Loans from qualified lenders either commercial or governmental. 

Amount Forgiven: Up to $105,000 forgiven for a 3 annual service commitment. Applicant can only receive this award twice.

California CalHealthCares Loan Repayment Program

Requirements: Must be a physician or dentist providing care to Medi-Cal patients. Requires a 5 year service obligation.

Eligible Loan Types: Loans from qualified lenders either commercial or governmental. 

Amount Forgiven: $300,000 forgiven for a 5 year service obligation.

California Allied Healthcare Loan Repayment Program

Requirements: Must be in a profession related to healthcare. Applicant must also be working in a designed county and facility.

Eligible Loan Types: Loans from qualified lenders either commercial or governmental.

Amount Forgiven: Up to $16,000 forgiven and may be awarded only 3 times.

California Bachelor of Science Nursing Loan Repayment Program

Requirements: Must be a licensed and practicing Registered Nurse (RN) working in a medically underserved area.

Eligible Loan Types: Loans from qualified lenders either commercial or governmental.

Amount Forgiven: Up to $10,000 forgiven annually – may be awarded up to 3 times.

California County Medical Services Program Loan Repayment Program

Requirements: This is a repayment program for primary care healthcare professionals serving at approved facilities.

Eligible Loan Types: Loans from qualified lenders either commercial or governmental. 

Amount Forgiven: Full time; 2 year commitment maximum award of $50,000. Half-time; 2 year commitment maximum award of $25,000.

California Licensed Mental Health Services Provider Education Program

Requirements: Mental health care worker willing to continue working in a medically underserved area for up to 2 years.

Eligible Loan Types: Loans from qualified lenders either commercial or governmental. 

Amount Forgiven: Up to $15,000 forgiven (Maximum of 3 times).

California Licensed Vocational Nurse Loan Repayment Program

Requirements: For Vocational Nurses. Requires a 1 year service obligation in a medically underserved area.

Eligible Loan Types: Loans from qualified lenders either commercial or governmental. 

Amount Forgiven: Up to $6,000 forgiven (Maximum of 3 times).

Colorado Rural Essential Access Provider (REAP) Loan Repayment Program

Requirements: Applicant must be employed in a federally designated HPSA located in a rural or frontier county. Requires a 2 year commitment at the approved site.

Eligible Loan Types: Federal or commercial loans that were taken out exclusively for profession the applicant is practicing.

Amount Forgiven: Full-time employment; $30,000 forgiven for physicians and $15,000 for other medical professions. Part-time employment; $15,000 for physicians and $7,500 for other medical professions.

Connecticut Minority Teacher Incentive Program

Requirements: Applicant must be a minority college student. After graduation, the program participant must go on to become a teacher at a public state school.

Eligible Loan Types: Federal or commercial loans that were taken out exclusively for the profession the applicant is practicing. 

Amount Forgiven: Up to $2,500 forgiven annually and up to 4 years.

Washington D.C. Health Professional Loan Repayment Program

Requirements: Both participants and potential work sites must complete applications for the program.

Eligible Loan Types: Loans intended for the cost of education necessary to obtain the health care degree.

Amount Forgiven: Up to $151,841.29 forgiven over 4 years for physicians and dentists. Up to $83,510.61 forgiven for all other eligible providers.

Washington D.C. Bar Foundation Repayment Program

Requirements: Participant must work at a qualified non-profit or civil legal service for low-income DC residents.

Eligible Loan Types: Unspecified loans.

Amount Forgiven: $12,000 forgiven annually. Applicants must apply each year to be considered.

Florida Nursing Student Loan Forgiveness Program

Requirements: Must be an LPN, RN, or ARNP and work full time at a designated facility that contributes towards a public good.

Eligible Loan Types: Loans must be incurred toward nursing education.

Amount Forgiven: Up to $4,000 forgiven annually for a maximum of 4 years.

Florida Bar Foundation Loan Repayment Program

Requirements: This program is for lawyers who are employed by civil legal aid groups or who spend more than half of their time providing legal services and legal assistance on behalf of civil legal aid organizations.

Eligible Loan Types: Students loans incurred while obtaining a law degree. 

Amount Forgiven: $5,000 annually in the form of a new loan. The loan is forgiven annually if the applicant remains employed as a civil legal aid attorney.

Georgia Physicians for Rural Areas Assistance Program (PRAA)

Requirements: The physician must work full time in a medically underserved, rural area of Georgia.

Eligible Loan Types: Student loans incurred while obtaining the medical degree.

Amount Forgiven: Up to $25,000 forgiven annually. 4 year limit for a maximum of $100,000.

Georgia Physician Loan Repayment Program (GPLRP)

Requirements: The physician must provide direct patient care in a designated Health Professional Shortage Area also in rural county.

Eligible Loan Types: Student loans incurred while obtaining the medical degree.

Amount Forgiven: Up to $25,000 forgiven annually. 4 year limit for a maximum of $100,000.

Georgia Dentists for Rural Areas Assistance Program (DRAA)

Requirements: The Dentist must work full time in a medically underserved, rural area of Georgia.

Eligible Loan Types: Student loans incurred while obtaining the dental degree.

Amount Forgiven: Up to $25,000 forgiven annually. 4 year limit for a maximum of $100,000.

Georgia Physician Assistant Loan Repayment Program (PALRP)

Requirements: The PA must work full time in a medically underserved, rural area of Georgia.

Eligible Loan Types: Student loans incurred while obtaining the medical degree. 

Amount Forgiven: Up to $10,000 forgiven annually for a maximum of 4 years and $40,000.

Georgia Advanced Practice Registered Nurse Loan Repayment Program (APRNLRP)

Requirements: The APRN must work in direct patient care in a medically underserved, rural area of Georgia.

Eligible Loan Types: Student loans incurred while obtaining the APRN degree.

Amount Forgiven: Up to $10,000 forgiven annually for a maximum of 4 years and $40,000.

Idaho Rural Physician Incentive Program (RPIP)

Requirements: Physicians serving in Health Professional Shortage Areas.

Eligible Loan Types: Student loans incurred while obtaining the medical degree.

Amount Forgiven: Maximum of $100,000 forgiven over a 4 year period.

Idaho Rural Health Care Access Program (RHCAP)

Requirements: This program is for primary care professionals, and dental care professionals.

Eligible Loan Types: Student loans incurred while obtaining the medical degree. 

Amount Forgiven: Maximum of $35,000 forgiven for a one year funding cycle.

Illinois Nurse Educator Loan Repayment Program

Requirements: Must be a nursing educator who has taught for at least 12 consecutive months.

Eligible Loan Types: Stafford loans, Graduate PLUS Loans, nursing student loans, and alternative loans. 

Amount Forgiven: Up to $5,000 forgiven annually and a maximum of 4 years for $20,000.

Illinois Veterans’ Home Medical Providers’ Loan Repayment Program

Requirements: Applicant must be a nurse and have worked a 12 month period at a state approved veterans’ home.

Eligible Loan Types: Stafford loans, Graduate PLUS Loans, nursing student loans, and alternative loans.

Amount Forgiven: Up to $5,000 forgiven annually and a maximum of 4 years for $20,000.

Indiana Bar Foundation Richard M. Givan Loan Repayment Assistance Program

Requirements: Applicant must be working for a civil legal aid employer and their salary must not exceed $70,000 annually.

Eligible Loan Types: Undergraduate, graduate, and law school loans. 

Amount Forgiven: $5,000 forgiven annually, paid quarterly to the participant.

Iowa Health Care Loan Repayment Program

Requirements: Must be a nursing educator or a medical professional working full-time in a service commitment area.

Eligible Loan Types: Federal student loans. 

Amount Forgiven: The maximum annual award is the lesser of: $6,000 or 20% of the applicant’s loan debt.

Teach Iowa Scholar Program

Requirements: Must be a teacher serving in an Iowa school in a designated shortage area.

Eligible Loan Types: Federal student loans.

Amount Forgiven: Up to $4,000 forgiven annually for a maximum of 5 years.

Kansas Rural Opportunity Zones (ROZ)

Requirements: Professionals willing to practice in rural communities who also have an employer willing to sponsor them for the program.

Eligible Loan Types: Unspecified loans. 

Amount Forgiven: Up to $15,000 forgiven over a period of 5 years.

Kansas Bridging Plan

Requirements: Primary Care and Psychiatry professionals. Requires a 36 month commitment in an approved county.

Eligible Loan Types: Student loans incurred while obtaining the medical degree. 

Amount Forgiven: $26,000 forgiven in a 36 month commitment.

Louisiana Bar Foundation Loan Repayment Assistance Program

Requirements: Attorney must be employed by a non-profit legal organization assisting low-income individuals.

Eligible Loan Types: Law school loans, government loans, commercial loans, and bar review loans.

Amount Forgiven: Up to $5,000 forgiven annually for a maximum of 10 years.

Educators For Maine Program

Requirements: Applicant must perform eligible work at a Maine school or child care facility after graduation or repay the loan with interest.

Eligible Loan Types: This program is in itself a forgivable loan. 

Amount Forgiven: $4,000 forgiven per academic year for undergraduates, $3,000 forgiven per academic year for graduates.

Maine Veterinary Medicine Loan Program

Requirements: Applicant must demonstrate financial need and a high likelihood of practicing in an area with insufficient veterinary services.

Eligible Loan Types: This program is in itself a forgivable loan. 

Amount Forgiven: Up to $25,000 forgiven annually for a maximum of 4 years and $100,000 total.

Maine Dental Education Loan Repayment Program

Requirements: Dentists must work at a qualifying facility that has accepted at least 25% of patients regardless of ability pay.

Eligible Loan Types: Undergraduate and graduate dental education loans. 

Amount Forgiven: Up to $25,000 forgiven annually and $100,000 total for those entering into a first loan agreement on or after January 01, 2020.

Maryland SmartBuy Home Buyer Assistance & Forgiveness Program

Requirements: To be eligible for this program, a qualified buyer must purchase a home owned by the Department of Housing and Community Development.

Eligible Loan Types: Student loan must be in repayment or deferred status. 

Amount Forgiven: Program offers up to 15% off of home purchase price.

Maryland Janet L. Hoffman Loan Assistance Repayment Program (LARP)

Requirements: An applicant who provides public service to the government or a non-profit agency. Annual salary cannot exceed $60,000.

Eligible Loan Types: Majority of student loans. 

Amount Forgiven: Determined by the applicant’s amount of debt. $30,000 maximum forgiveness on a yearly payment of $10,000.

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

Requirements: Must be practicing dentist whose patient population is at least 30% Maryland Medical Assistance Program (MMAP) recipients.

Eligible Loan Types: Student loans incurred while obtaining the dental degree. 

Amount Forgiven: Up to $23,740 forgiven annually – maximum of 3 years.

Maryland Loan Assistance Repayment Program for Foster Care Recipients (MLARP-Foster Care)

Requirements: Applicant must have been placed in a home by the social services for 3 years or more.

Eligible Loan Types: Majority of student loans. 

Amount Forgiven: $5,000 forgiven or 10% of the loan debt per year.

Massachusetts Loan Repayment Program (MLRP) for Health Professionals

Requirements: This program is for health care professionals in communities with a significant shortage of healthcare providers.

Eligible Loan Types: Student loans incurred while obtaining the dental degree. 

Amount Forgiven: Up to $50,000 forgiven for a 2 year service contract.

Minnesota Urban Physician Loan Forgiveness

Requirements: Must practice in a HPSA or Medically underserved area for 3 to 4 years.

Eligible Loan Types: Government, commercial, and foundation loans.

Amount Forgiven: $29,000 forgiven annually.

Minnesota Rural Advanced Practice Provider Loan Forgiveness

Requirements: Serve 3 to 4 years maximum in a rural area with a shortage of access to primary care services.

Eligible Loan Types: Government, commercial, and foundation loans.

Amount Forgiven: $14,000 forgiven annually.

Minnesota Urban Advanced Practice Provider Loan Forgiveness

Requirements: Must practice in a HPSA or Medically underserved area for 3 to 4 years.

Eligible Loan Types: Government, commercial, and foundation loans. 

Amount Forgiven: $14,000 forgiven annually.

Minnesota Nurse Faculty Loan Forgiveness

Requirements: Serve 3 to 4 years teaching in a postsecondary nursing program.

Eligible Loan Types: Government, commercial, and foundation loans.

Amount Forgiven: $11,000 forgiven annually.

Minnesota Allied Health Care Faculty Loan Forgiveness

Requirements: Serve 3 to 4 years teaching in allied health care or advanced nursing.

Eligible Loan Types: Government, commercial, and foundation loans.

Amount Forgiven: $11,000 forgiven annually.

Minnesota Rural Dental Therapist and Advanced Dental Therapist Loan Forgiveness

Requirements: Serve 3 to 4 years maximum in a rural area with a shortage of access to primary care services.

Eligible Loan Types: Government, commercial, and foundation loans.

Amount Forgiven: $13,000 forgiven annually.

Minnesota Dentist Loan Forgiveness

Requirements: Dentist must serve 3 years minimum/4 years maximum in a facility that sees 25% of patient visits from public programs or sliding fee scale programs.

Eligible Loan Types: Government, commercial, and foundation loans.

Amount Forgiven: $40,000 forgiven annually.

Minnesota Rural Mental Health Professional Loan Forgiveness

Requirements: Serve 3 to 4 years maximum in a rural area with a shortage of access to primary care services.

Eligible Loan Types: Government, commercial, and foundation loans.

Amount Forgiven: $18,000 forgiven for Psychologists, $9,300 for Social Workers, Therapists, and Counselors.

Minnesota Urban Mental Health Professional Loan Forgiveness

Requirements: Must practice in a HPSA or Medically underserved area for 3 to 4 years.

Eligible Loan Types: Government, commercial, and foundation loans.

Amount Forgiven: $18,000 forgiven for Psychologists, $9,300 for Social Workers, Therapists, and Counselors.

Minnesota Long Term Care Nurse Loan Forgiveness

Requirements: Applicant must serve 2 years minimum with an option to extend 2 years in a home care style facility, or one with persons with developmental disabilities.

Eligible Loan Types: Government, commercial, and foundation loans.

Amount Forgiven: $6,000 forgiven annually.

Minnesota Rural Pharmacist Loan Forgiveness

Requirements: Serve 3 to 4 years maximum in a rural area with a shortage of access to primary care services.

Eligible Loan Types: Government, commercial, and foundation loans.

Amount Forgiven: $24,000 forgiven annually.

Minnesota Rural Physician Loan Forgiveness

Requirements: Serve 3 to 4 years maximum in a rural area with a shortage of access to primary care services.

Eligible Loan Types: Government, commercial, and foundation loans. 

Amount Forgiven: $29,000 forgiven annually.

Minnesota Rural Public Health Nurse Loan Forgiveness

Requirements: Serve 3 to 4 years maximum in a rural area with a shortage of access to primary care services.

Eligible Loan Types: Government, commercial, and foundation loans.

Amount Forgiven: $6,000 forgiven annually.

Primary Care Resource Initiative for Missouri (PRIMO)

Requirements: Applicant must complete a service obligation in an underserved area.

Eligible Loan Types: Student loans incurred while obtaining the medical degree. 

Amount Forgiven: Varies by profession. Maximum 6 years for $25,000 per year.

Missouri Health Professional Student Loans

Requirements: Applicant must be a nursing student and willing to complete a service obligation in an underserved HPSA area. Must apply every year.

Eligible Loan Types: Student loans incurred while obtaining the medical degree. 

Amount Forgiven: $2,500 maximum forgiveness for Licensed Practical Nurses. $5,000 maximum forgiveness for nurses with more advanced degrees.

Missouri Nurse Loan Repayment Program

Requirements: Applicant must complete a service obligation in an underserved HPSA area. Must apply every year.

Eligible Loan Types: Student loans incurred while obtaining the medical degree.

Amount Forgiven: Up to $10,000 for Registered nurses. Up to $20,000 for nurses with more advanced degrees.

Montana Agriculture Student Loan Assistance Program

Requirements: Must be a farmer or rancher who participates in the day to day operations of the facility who agrees to help run the facility for at least 5 years.

Eligible Loan Types: Must be a student loan from a list of eligible Montana colleges.

Amount Forgiven: Maximum lifetime award of $25,000. Minimum amount forgiven is $5,000 dispersed over a 5 year period.

Montana Institutional Nursing Incentive Program

Requirements: Applicant must work in a Montana state prison or Montana state hospital.

Eligible Loan Types: Loans incurred solely for the costs of nursing education. 

Amount Forgiven: Maximum of $3,750 forgiven annually for 4 years.

Montana Rural Physician Incentive Program (MRPIP)

Requirements: Serve in a rural area with a shortage of access to primary care services.

Eligible Loan Types: Loans incurred solely for the costs of nursing education. 

Amount Forgiven: Maximum $20,000 forgiven for 54 months of service. Payments doled out over a 6 month term of service. $10,000 for the first 6 months.

Montana Justice Foundation Loan Repayment Assistance Program

Requirements: This program is specifically for attorneys. Attorney must work for a legal aid organization.

Eligible Loan Types: Loans incurred for the cost of law school education. 

Amount Forgiven: On average doling out $1,533 annually per recipient. Maximum 5 years.

Requirements: Attorney must work in a public legal service and in an area with a legal profession shortage.

Eligible Loan Types: Loans incurred for the cost of law school education.

Amount Forgiven: Maximum of $42,000 loan forgiveness.

New Hampshire Law School Loan Repayment Assistance Program

Requirements: Attorney must work for the NHLA, LARC, DRC, or Pro-Bono full-time or part-time.

Eligible Loan Types: Loans incurred for the cost of law school education. 

Amount Forgiven: The program will calculate a percentage it is willing to pay for loan forgiveness. Amount changes annually.

New Jersey STEM Loan Redemption Program

Requirements: Requires a 4 to 8 year commitment to a full time job with a high-growth STEM field occupation within New Jersey.

Eligible Loan Types: New Jersey State or federal loans.

Amount Forgiven: Up to $2,000 forgiven annually for up to 4 years and a maximum of $8,000.

New Jersey Faculty Loan Redemption Program

Requirements: This program is an incentive for people to enter graduate nursing programs. Loan redemption in exchange for a 5 year teaching commitment at a school of nursing upon graduate school completion.

Eligible Loan Types: New Jersey state or federal loans.

Amount Forgiven: Amount awarded unspecified.

New Jersey Primary Care Practitioner Loan Redemption Program

Requirements: Applicant must complete a 2 to 4 year service obligation in an underserved HPSA area.

Eligible Loan Types: New Jersey state or federal loans. 

Amount Forgiven: Up to $120,000 forgiven.

New Mexico Teacher Loan Repayment Program

Requirements: Teacher must be employed in a designated high-need position such as bilingual education or STEM fields.

Eligible Loan Types: Unspecified loans.

Amount Forgiven: The amount awarded varies depending on the teacher’s debt size, the specific school need, and the total budget amount for the program.

New Mexico Public Service Law Loan Repayment Program (LRAP)

Requirements: Attorney must work in a public legal service and in an area with low income or underserved residents of New Mexico for a 3 year commitment.

Eligible Loan Types: Loans incurred for the cost of law school education.

Amount Forgiven: Up to $7,200 forgiven annually.

New York State Get on Your Feet Loan Forgiveness Program

Requirements: Applicant must have earned no higher than an Undergraduate degree at time of application. Meant to provide 24 months of federal student loan debt to recent NYS college graduates who are also enrolled in an income driven repayment plan.

Eligible Loan Types: Income-Based Repayment Loans (IBR), Pay as you earn plans, and Revised Pay as you earn plans. 

Amount Forgiven: Up to 24 months equal to the monthly repayment amount under the applicant’s loan terms.

Requirements: Applicant must be an attorney employed in a qualified public service role such as District Attorney or Assistant District Attorney.

Eligible Loan Types: Loans incurred for the cost of law school education. 

Amount Forgiven: Maximum amount of $20,400. Awards are paid out $3,400 annually.

New York State Young Farmers Loan Forgiveness Incentive Program

Requirements: Applicant must be a recent college graduate who agrees to operate a farm in New York state on a full-time basis for 5 years.

Eligible Loan Types: NYS loans, federal loans, and commercial loans with governmental approval.

Amount Forgiven: Maximum amount of $50,000 forgiven. Award paid in annual amounts of $10,000.

Nursing Faculty Loan Forgiveness Incentive Program (NFLF)

Requirements: Applicant must be a nursing program graduate who has also taught in the field of nursing.

Eligible Loan Types: NYS loans, federal loans, and commercial loans with governmental approval.

Amount Forgiven: Maximum amount of $40,000. Award paid in annual amounts of $8,000.

NYS Child Welfare Worker Loan Forgiveness Program

Requirements: Program is for individuals who provide direct care services at a New York State-licensed child welfare agency.

Eligible Loan Types: NYS loans, federal loans, and commercial loans with governmental approval.

Amount Forgiven: Maximum amount of $50,000. Award paid in annual amounts of $10,000.

NYS Teacher Loan Forgiveness Program

Requirements: This program is for teachers in staff storage districts or who teach in subject shortage areas.

Eligible Loan Types: NYS loans, federal loans, and commercial loans with governmental approval.

Amount Forgiven: Maximum amount of $20,000. Award paid in annual amounts of $5,000.

North Carolina Forgivable Education Loans for Service

Requirements: Applicant must be willing to work in a North Carolina designated critical employment shortage profession.

Eligible Loan Types: This program is in itself a forgivable loan.

Amount Forgiven: Up to $7,000 forgiven for certificate, associate, or Bachelor’s. Up to $14,000 forgiven for Master’s or Ph.D.

Requirements: Program for prosecutors, public defenders, and non-profit public interest attorneys. Applicant must be employed with a public agency providing legal services to the poor.

Eligible Loan Types: Law school debt and bar study loans. 

Amount Forgiven: Yearly maximum amount is $4,800 forgiven.

North Dakota Health Care Professional Student Loan Repayment

Requirements: Requires public health or non-profit service commitments.

Eligible Loan Types: Loans related to obtaining a health care professional degree.

Amount Forgiven: Physicians can earn up to $150,000. APRN, PA’s can earn up to $22,000. Clinical Psychologists earn up to $75,000. Behavioral Health specialists earn up to $22,000.

North Dakota Veterinarian Loan Repayment Program

Requirements: Commit two to three to four years of service in a designated community.

Eligible Loan Types: Loans related to obtaining the veterinarian degree.

Amount Forgiven: Up to $80,000 forgiven.

Ohio Dentist Loan Repayment Program (ODLRP)

Requirements: The applicant must provide dental services to underserved populations in health professional shortage areas. Employer must also vouch for the applicant.

Eligible Loan Types: Loans related to obtaining a health care professional degree.

Amount Forgiven: Up to $25,000 for a 2 year contract. Up to $35,000 for years three and four.

Ohio Dental Hygienist Loan Repayment Program (ODHLRP)

Requirements: Applicant must provide dental services to underserved populations in health professional shortage areas. Employer must also vouch for the applicant.

Eligible Loan Types: Loans related to obtaining a health care professional degree. 

Amount Forgiven: Up to $25,000 for a 2 year contract. Up to $35,000 for years three and four.

Ohio Physician Loan Repayment Program

Requirements: Applicant must provide services to underserved populations in health professional shortage areas. Employer must also vouch for the applicant.

Eligible Loan Types: Loans related to obtaining a health care professional degree. 

Amount Forgiven: Up to $25,000 for a 2 year contract. Up to $35,000 for years three and four.

Oklahoma Physician Loan Repayment Program

Requirements: Applicant must work in a rural or underserved area.

Eligible Loan Types: Medical education loans.

Amount Forgiven: $200,000 maximum doled it in 4 years.

Oklahoma Dental Loan Repayment Program (ODLRP)

Requirements: Applicant must work in a rural or underserved area.

Eligible Loan Types: Loans related to obtaining a dental professional degree.

Amount Forgiven: $25,000 forgiven annually.

Oklahoma Physician/Community Match Program

Requirements: Applicant must work in a rural designated area.

Eligible Loan Types: Unspecified eligible loans.

Amount Forgiven: $30,000 minimum. $50,000 maximum.

Oklahoma Physician Assistant Loan Repayment Program

Requirements: Applicant must work in a rural or underserved area.

Eligible Loan Types: Medical education loans. 

Amount Forgiven: $60,000 maximum for 3 years.

Oregon Health Care Provider Loan Repayment

Requirements: Applicant must work in a rural or underserved area. 3 year service commitment.

Eligible Loan Types: Medical education loans. 

Amount Forgiven: Up to $35,000 forgiven annually.

Oregon Primary Care Loan Forgiveness (PCLF)

Requirements: This program is an incentive for students to commit to future service obligations in rural or frontier areas. At least 1 year of service for 1 year of funding.

Eligible Loan Types: Medical education loans. 

Amount Forgiven: Up to $35,000 forgiven annually.

Pennsylvania Primary Care Loan Repayment Program (LRP)

Requirements: Applicant must make a commitment to work in a rural or underserved community.

Eligible Loan Types: Medical education loans.

Amount Forgiven: Physicians and Dentists: Up to $100,000 full-time, up to $50,000 half-time Other Practitioners: Up to $60,000 full-time, up to $30,000 half-time.

Pennsylvania Bar Foundation – PA IOLTA Board Loan Repayment Assistance Program

Requirements: Attorney must work in an IOLTA legal services organization offering civil legal assistance to PA residents without charge.

Eligible Loan Types: Educational debt based on loans from commercial and government lending institutions, as well as university or other private institutional loans associated with educational debt.

Amount Forgiven: Amount forgiven varies. Renewable for up to 10 years.

Rhode Island Health Professionals Loan Repayment Program

Requirements: This program requires a 2 year commitment to facilities that treat Rhode Islanders who lack Primary Health Care Access.

Eligible Loan Types: Qualified educational loans.

Amount Forgiven: Unspecified amount forgiven.

Rhode Island Wavemaker Fellowship

Requirements: Applicant must be in a STEM field or employed in the technology, engineering, or design sector.

Eligible Loan Types: General higher education loans.

Amount Forgiven: $6,000 forgiven for a Master’s degree. $4,000 forgiven for a Bachelor’s degree. $1,000 forgiven for an Associate’s degree.

University of South Carolina Public Interest Law Loan Forgiveness Fund (PILLFF)

Requirements: Applicant must be a graduate of the USC school of law who obtained employment in public interest law.

Eligible Loan Types: Loans used for legal education.

Amount Forgiven: Awards vary based on funds for that budget year.

South Carolina Teachers and Career Changers Loan Forgiveness

Requirements: Applicant must be a teacher teaching a critical subject area or critical geographic location.

Eligible Loan Types: Loans used to get an education degree. 

Amount Forgiven: 20% of the loan forgiven or $3,000 each full year of teaching. Teaching in both a critical subject and critical geographical area will increase the forgiveness rate to 33.3% or $5,000 a year.

South Dakota Dentist Loan Repayment for Service Program

Requirements: Applicant must make a commitment to work in a rural or underserved community.

Eligible Loan Types: Qualified loans include government, commercial and foundation loans for actual costs paid for tuition, reasonable education expenses, and reasonable living expenses related to the graduate or undergraduate education of a dentist from an accredited school of dentistry.

Amount Forgiven: Up to $125,000 spread out over 5 years plus $5,000 in bonus opportunities each year.

Tennessee Minority Teaching Fellows

Requirements: Applicant must be a member of a minority and make a service commitment to teach primary education in Tennessee.

Eligible Loan Types: Loans used for teaching education.

Amount Forgiven: $5,000 forgiven annually.

Tennessee Math and Science Teacher Loan Forgiveness

Requirements: Requirements not specified until next years application cycle.

Eligible Loan Types: Eligible loans not specified until next year’s application cycle.

Amount Forgiven: Amounts forgiven not specified until next year’s application cycle.

Tennessee Graduate Nursing Loan Forgiveness

Requirements: Participants may not enroll in any other loan forgiveness programs. An applicant must be enrolled in a master’s or post master’s degree nursing education program.

Eligible Loan Types: Loans used for graduate nursing education.

Amount Forgiven: $7,000 forgiven annually.

Teach for Texas Loan Repayment Assistance Program (TFTLRAP)

Requirements: Applicant must be a teacher certified in a shortage teaching field and has taught for at least one year in a Texas Public school or be a current teacher in a shortage field.

Eligible Loan Types: Loan must be evidenced by a promissory note which required the loan proceeds be used to pay for the teacher’s cost of attendance at college. 

Amount Forgiven: Up to a maximum of $2,500 forgiven.

Texas Rural Communities Health Care Investment Program

Requirements: Health care provider must make commitment to serve a Texas rural community.

Eligible Loan Types: Eligible loans unspecified.

Amount Forgiven: $10,000 forgiven. Must agree to a 12 month commitment.

Utah Rural Physician Loan Repayment Program (RPLRP)

Requirements: Physician must enter a 2 year term of service in a rural hospital. 

Eligible Loan Types: Loans related to obtaining a medical professional education.

Amount Forgiven: Up to $15,000 forgiven annually.

Utah Health Care Workforce Financial Assistance Program

Requirements: Applicant must work in a Health Professional Shortage Area (HPSA).

Eligible Loan Types: “Educational loan” means a commercial, government, or government-guaranteed loan taken to pay educational expenses.

Amount Forgiven: Unspecified amount forgiven. Approved site employer must provide a 20% match to the provider’s award.

University of Vermont Educational Loan Repayment Program for Nurses

Requirements: Applicant must be a nurse working in area with a nurse workforce shortage. They must also sign a 12 month service commitment.

Eligible Loan Types: Loans related to obtaining a nursing degree. 

Amount Forgiven: Up to $12,000 forgiven.

Vermont Bar Foundation Loan Repayment Assistance Program (VBF-LRAP)

Requirements: Applicant must be an attorney working for an approved public good employer.

Eligible Loan Types: Undergraduate, graduate and law school loans will be considered in determining the amount of assistance.

Amount Forgiven: Up to $5,000 forgiven annually.

University of Virginia School of Law Loan Forgiveness (VLFP I) (VLFP II)

Requirements: Applicant must be in public service employment.

Eligible Loan Types: IBR or PAYE loan programs.

Amount Forgiven: Full amount of loan forgiven.

University of Virginia School of Law Loan Commonwealth Plan

Requirements: Applicant must be in a private practice working in an underserved part of the state.

Eligible Loan Types: IBR or PAYE loan programs. 

Amount Forgiven: Full amount of loan forgiven.

Washington State Health Loan Forgiveness Program

Requirements: Requires a 3 year service commitment at an approved Washington Health Corps program site.

Eligible Loan Types: Loans related to obtaining licensure for the profession only.

Amount Forgiven: Maximum award of $75,000.

Wisconsin Health Professions Loan Assistance Program

Requirements: Applicant must agree to serve 3 years in an eligible underserved rural or urban community.

Eligible Loan Types: Health education assistance, Plus loans, national direct student loans, Stafford loans, health professions student loans, supplemental loans for students, state educational financial aid office guaranteed student, university-sponsored student, trust fund, scholastic, foundation, and any other loans determined to be exclusively for educational purposes, obtained by the applicant from a public or private lending institution for education related to obtaining the related medical degree.

Amount Forgiven: Up to $50,000 forgiven for Dentists and Physicians. Up to $25,000 forgiven for Dental Hygienists, Certified Nurse Midwives, Nurse Practitioners, and Physician Assistants.

Wisconsin Rural Physician Loan Assistance Program

Requirements: Must be a primary car physician and psychiatrist practicing in an outpatient setting in a rural community.

Eligible Loan Types: Health education assistance, Plus loans, national direct student loans, Stafford loans, health professions student loans, supplemental loans for students, state educational financial aid office guaranteed student, university-sponsored student, trust fund, scholastic, foundation, and any other loans determined to be exclusively for educational purposes, obtained by the applicant from a public or private lending institution for education related to obtaining the related medical degree.

Amount Forgiven: Up to $50,000 forgiven.

Wyoming Healthcare Professional Loan Repayment Program

Requirements: Applicant must a 3 year commitment to practice in an underserved area of Wyoming. Must treat Medicare, Medicaid, and Kid Care eligible patients.

Eligible Loan Types: Loans related to obtaining the medical degree.

Amount Forgiven: For Physicians and Dentists, up to $30,000 a year for 3 years. For other licensed health care professionals, $20,000 a year for three years total.

Sources

  1. Federal Student Aid Office: Public Service Loan Forgiveness (PSLF) 
  2. United States Air Force – My Air Force Benefits: Judge Advocate General’s (JAG) Corps Student Loan Repayment Program (SLRP) 
  3. Health Resources & Services Administration: Apply to the Nurse Corps Loan Repayment Program 
  4. U.S. Department of Health and Human Services – Indian Health Service: Loan Repayment Program
  5. United States Army – My Army Benefits: College Loan Repayment Program (LRP)
  6. United States Navy: Navy Student Loan Repayment Program
  7. United States of Department of Justice: Attorney Student Loan Repayment Program
  8. Legal Services Corporation: Herbert S. Garten Loan Repayment Assistance Program
  9. United States Department of Agriculture: The Veterinary Medicine Loan Repayment Program 

Related reports include Average Time to Repay Student Loans | Average Student Loan Interest Rate | Student Loan Refinancing | Student Loan Default Rate | Student Loan Forgiveness Statistics