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The (Almost) Complete Guide to Student Loan Forgiveness Programs

Important Note: The list below contains only a general overview of each program. Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option.

No loan forgiveness option is set in stone, and some of these programs may have altered their terms or even been shut down in the time since this list was compiled or may even have been cancelled. Please contact us if you discover that any of the information listed below is out of date or if you know of a program we don’t have listed here.

Programs can change at any time.  You should never borrow assuming forgiveness.

Federal Loan Forgiveness and Discharge Programs

The options listed below are exclusively available for federal student loans, and are made available through the Department of Education. If you aren’t sure whether you have the right type of loan, you can get a list of every federal loan you’ve ever taken out, along with the specific type of federal loan it is, by checking the National Student Loan Data System (NSLDS).  Also note that we have more detailed explanations of the federal forgiveness programs here.

Bankruptcy Discharge

Who It’s For: People who have declared Chapter 7 or Chapter 13 bankruptcy, and whose loans have been deemed an “undue hardship” by the bankruptcy court. How to Apply: You…

Borrower Defense to Loan Repayment

Borrower Defense to Loan Repayment Who It’s For: Students who can demonstrate that their school willfully misled them or otherwise violated certain state laws in order to trick them into…

Closed School Discharge

Who It’s For: Students whose school closed down while they were still/recently attending, keeping you from completing your course of study. How to Apply: Fill out the closed school discharge

False Certification Discharge: Ability to Benefit

Who It’s For: Students who were given loans for higher education despite failure to provide any proof they were prepared to begin their college studies, such as a high school…

False Certification: Disqualifying Status

Who It’s For: Students who attended school for a course of study that they could not benefit from due to a pre-existing status or condition, which the school was aware…

False Certification: Unauthorized Signature/Payment

Who It’s For: Victims of identity theft who did not fill out the paperwork to authorize the loans in the first place. How to Apply: Fill out the false certification

Federal Student Loan Repayment Program

Who It’s For: Highly qualified federal employees, at the discretion of their employing agency. How to Apply: Contact your federal employer to find out if you are eligible for this…

Income-Driven Repayment Forgiveness

Who It’s For: Borrowers who sign up for one of the income-driven payment plans (such as income-based repayment, income-contingent repayment, Pay As You Earn, or REPAYE) and make eligible on-time…

Perkins Loan Cancellation

Who It’s For: People who work in various public service jobs, such as teaching, nursing, or law enforcement. You can find a list of possible qualifying jobs here. How to…

Public Service Loan Forgiveness (PSLF)

Who It’s For: People who have worked full-time in a qualifying public service job for at least ten years while simultaneously making qualifying monthly payments. How to Apply: Sign up…

Segal AmeriCorps Education Award

Who It’s For: AmeriCorps participants who have completed an approved term of service. How to Apply: You should be able to access the award through the My AmeriCorps Portal. What…

Teacher Loan Forgiveness (TLF)

Who It’s For: Full-time teachers who have worked for a public school in a low-income area for five consecutive years. How to Apply:  Fill out a TLF application and send…

Total and Permanent Disability Discharge

Who It’s For: People who are medically unable to work for the foreseeable future (at least five years). How to Apply: You can apply online at www.disabilitydischarge.com. What Loans Qualify:…

Unpaid Refund

Who It’s For: Students who withdrew from a course of study early enough that they were entitled to a refund on some amount of their federal loans, but who never…

Veterinary Medicine Loan Repayment Program

Who It’s For: Veterinarians who serve in a veterinarian shortage area for a period of three years. How to Apply: You can visit the program’s page for applicants here. What…

Military Forgiveness Programs

The options listed below are for members of the United States military, and in most cases are granted directly by the military itself. Please note that if you are going to be working for the military for at least ten years and have federal student loans, you should also take a look at the Public Service Loan Forgiveness (PSLF) option listed in the previous section.

Active Duty Health Professions Loan Repayment Program & Healthcare Professionals Loan Repayment Program

Who It’s For: Active duty & reserve officials in the United States Army Medical Corps, Dental Corps, Nurse Corps, or Veterinary Corps. How to Apply: Go to the bottom of…

College Loan Repayment Programs (Military)

Who It’s For: Newly-enlisting members of the U.S. Army, Navy, National Guard, or Air Force. How to Apply: You will usually need to speak directly with your recruiter to begin…

Employment & Service-Based Forgiveness Programs

The following options are based on your choice of employment, and are not granted through the Department of Education  or U.S. Military, or limited to any one specific state.

Education

Arkansas State Teacher Education Program (STEP)

Who It’s For: Arkansas residents with loans from a teacher education program who work as a teacher in to help fill a critical teaching shortage, either in terms of location…

Faculty Loan Repayment Program (FLRP)

Who It’s For: Faculty members at health professions schools who come from a disadvantaged background. An employment commitment of at least two years is required for all FLRP applicants. How…

Illinois Teachers Loan Repayment Program

Who It’s For: Illinois residents who received federal Teacher Loan Forgiveness but still have a remaining balance on their eligible federal loans. How to Apply: You can access the application…

Mississippi Teacher Loan Repayment Program

Who It’s For: Mississippi teachers employed in a critical shortage area who hold a Mississippi Alternate Route Teaching License. How to Apply: You can apply for this program with their…

New Mexico Teacher Loan Repayment Program

Who It’s For: Teachers who work for a public school that is not meeting academic proficiency levels (overall F or D graded school by the public education department) and is…

New York State Nursing Faculty Forgiveness Incentive Program

Who It’s For: Registered nurses who are New York State residents and work as a nursing faculty member or adjunct clinical faculty providing classroom or clinical instruction at a nursing…

North Dakota Teacher Shortage Loan Forgiveness Program

Who It’s For: Teachers who work in North Dakota and agree to work in a teacher shortage area. How to Apply: There should be an application available on this page,…

Teach Iowa Scholar Program

Who It’s For: Qualified Iowa teachers who work in designated shortage areas. How to Apply: You can access the application here. What Loans Qualify: Federal loans are the only loans…

Teacher Loan Forgiveness (TLF)

Who It’s For: Full-time teachers who have worked for a public school in a low-income area for five consecutive years. How to Apply:  Fill out a TLF application and send…

Health Services

Alaska Supporting Health Care Access Through Loan Repayment (SHARP)

Who It’s For: Health care professionals willing to work in federally designated Health Professional Shortage Areas in the state of Alaska. How to Apply: You can find the most recent…

Arizona Loan Repayment Programs

Who It’s For: Fully licensed medical professionals who make a two-year commitment to work in federally designated Health Professional Shortage Areas or Arizona Medically Underserved Areas. How to Apply: You…

Arkansas Community Match Rural Physician Recruitment Program

Who It’s For: Physicians who are either in residency or no more than two years out of residency at a qualified rural community. They must agree to practice primary care…

California Office of Statewide Health and Planning Loan Repayment Programs

Who It’s For: There are actually several programs that you can review on this website. In general, these programs are available to California residents who work in specific medical or…

CDA Foundation Student Loan Repayment Grant

Who It’s For: Recent graduates from a dental school who are eligible to practice dentistry in California and agree to serve in an dental professional shortage area for at least…

Colorado Health Service Corps Loan Repayment Program

Who It’s For: Healthcare professionals who work in a designated health professional shortage area. To qualify, you must deliver primary health care services in a public or nonprofit clinic. How…

DC Health Professional Loan Repayment Program

Who It’s For: Health professionals who agree to work full-time at a certified Service Obligation Site How to Apply: Check the Application Package section of the program’s website. What Loans…

Delaware State Loan Repayment Program

Who It’s For: Highly qualified Primary Care, Dental, and Mental Health Care health professionals willing to work in a health professional shortage area in the state of Delaware, for a…

Faculty Loan Repayment Program (FLRP)

Who It’s For: Faculty members at health professions schools who come from a disadvantaged background. An employment commitment of at least two years is required for all FLRP applicants. How…

Florida Nursing Student Loan Forgiveness Program

Who It’s For: Nurses (whether LPN, RN, or ARNP) in the state of Florida willing to work in a critical nursing shortage area. How to Apply: Fill out the program’s…

Georgia Loan Repayment Programs

Who It’s For: There are multiple programs for health professionals in Georgia that are willing to provide health services to rural or other health professional shortage areas. These options are…

Hawaii State Loan Repayment Program

Who It’s For: Primary care and behavioral health providers who work at non-profit organizations in designated health professional shortage areas in the state of Hawaii. A 2-year commitment is required…

Idaho Rural Physician Incentive Program (RPIP)

Who It’s For: Physicians in a number of fields (primary care, family medicine, internal medicine, pediatrics) who work in federally-designated health professional shortage areas. How to Apply: Fill out the…

Idaho State Loan Repayment Program

Who It’s For: Health practitioners working for a nonprofit or public entity within a federally-designated health professional shortage area. You will need to work at least 40 hours a week,…

Illinois National Health Service Corps State Loan Repayment Program

Who It’s For: Health professionals who agree to serve full-time or half-time in federally designated health professional shortage areas in Illinois. How to Apply: You can download the application online,…

Illinois Nurse Educator Loan Repayment Program

Who It’s For: Nurse educators who have worked in an approved Illinois institution for at least 12 months. How to Apply: You can find the necessary application form on this…

Illinois Veterans’ Home Medical Providers’ Loan Repayment Program

Who It’s For: Physicians, certified nurse practitioners, registered professional nurses, certified nursing assistants, and licensed practical nurses who work in an approved Illinois veterans’ home for at least 12 months.…

Indian Health Service Loan Repayment Program

Who It’s For: Health professionals at Indian health program facilities who work in specific, high-need disciplines. American Indians and Alaska Natives receive priority consideration for this program, when all other…

Iowa Dental Education Loan Repayment/FIND Project

Who It’s For: Fully trained and licensed dentists willing to work in a rural or underserved area and willing to allocate at least 35% of their patient load to the…

Iowa Health Professional Loan Repayment Program

Who It’s For: Health professionals who graduated from Des Moines University and work in a high-need area in Iowa. How to Apply: You can apply through the Des Moines University…

Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program

Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What…

Kansas Bridging Plan

Who It’s For: Primary care and psychiatry resident physicians who agree to work in specific approved residency programs in a rural community in Kansas for at least 36 months. How…

Kansas State Loan Repayment Program

Who It’s For: Healthcare professionals in the state of Kansas who agree to work in designated health professional shortage areas for at least two years. How to Apply: You can…

Kentucky State Loan Repayment Program

Who It’s For: Healthcare professionals in the state of Kentucky who agree to work in designated health professional shortage areas for at least two years. How to Apply: You can…

Louisiana State Loan Repayment Program

Who It’s For: Healthcare professionals in the state of Louisiana who agree to work in designated health professional shortage areas for at least three years. How to Apply: You can…

Maine Dental Education Loan Repayment Program

Who It’s For: Dentists who agree to practice in underserved areas in Maine for at least two years, renewable for an additional two years. How to Apply: You can find…

Maryland Dent-Care Loan Assistance Repayment Program

Who It’s For: Practicing dentists employed full-time providing care to Maryland Medical Assistance Program (MMAP) recipients in Maryland. How to Apply: You can find the application on the Maryland Department…

Maryland State Loan Repayment Program & Maryland Loan Assistance Repayment Program for Physicians

Who It’s For: Medical professionals in the state of Maryland who agree to work in designated health professional shortage areas or medically underserved areas for at least two years. How…

Massachusetts Community Health Center Primary Care Provider Loan Repayment Program

Who It’s For: Physicians, nurses, and physician assistants who have been newly hired to work in a Massachusetts community health center, and agree to a 2-year commitment. How to Apply:…

Massachusetts Loan Repayment Program for Health Professionals

Who It’s For: Primary health care professionals in a variety of medical, dental, and mental health professions who agree to work in a state- or federally-designated health professional shortage area…

Michigan State Loan Repayment Program

Who It’s For: Medical, dental, and mental health professionals in the state of Michigan who agree to work in health professional shortage areas for at least two years. How to…

Minnesota Health Care Loan Forgiveness and Repayment Programs

Who It’s For: Professionals in a wide variety of healthcare related fields in the state of Minnesota. There are multiple programs, each with its own rules, but generally speaking, they…

Missouri Health Professional State Loan Repayment Program & Nurse Loan Repayment Program

Who It’s For: Medical and dental professionals in the state of Missouri who agree to work in a health professional shortage area for at least two years. How to Apply:…

Montana NHSC Loan Repayment Program

Who It’s For: Medical and dental professionals in the state of Montana who agree to work in a health professional shortage area for at least two years. How to Apply:…

Montana Rural Physician Incentive Program

Who It’s For: Physicians who practice in rural or underserved areas of Montana or provide services primarily to medically underserved populations. How to Apply: You can begin the application process…

National Health Service Corps Loan Repayment Program

Who It’s For: Licensed primary care clinicians in specific eligible disciplines at an approved site in a health professional shortage area. How to Apply: Follow the instructions outlined here. What…

National Health Service Corps Student to Service Loan Repayment Program

Who It’s For: Students in their last year of dental or medical school who agree to at least three years of service at an NHSC-approved health professional shortage area. How…

National Institutes of Health (NIH) Loan Repayment Programs

Who It’s For: Highly qualified health professionals working in specific biomedical and behavioral research careers. How to Apply: Complete the online application process. What Loans Qualify: Most federal, state, and…

Nebraska Loan Repayment Program & NHSC Nebraska Loan Repayment Program

Who It’s For: Medical, dental, and mental health professionals in the state of Nebraska who agree to work in a health professional shortage area for at least two years. How…

Nevada Health Service Corps

Who It’s For: Health professionals in the state of Nevada who have no restrictions upon their DEA certificate who agree to serve an assigned community for a set amount of…

New Hampshire State Loan Repayment Program

Who It’s For: Medical, dental, and mental health professionals in the state of New Hampshire who agree to work in a health professional shortage area for at least three years.…

New Mexico Health Professional Loan Repayment Program

Who It’s For: Medical, dental, and mental health professionals in the state of New Hampshire who agree to work in a health professional shortage area for at least two years.…

New York Regents Physician Loan Forgiveness Award Program

Who It’s For: Physicians in New York State who have completed their residency within the past five years and are willing to commit to working in a designated work shortage…

New York State Nursing Faculty Forgiveness Incentive Program

Who It’s For: Registered nurses who are New York State residents and work as a nursing faculty member or adjunct clinical faculty providing classroom or clinical instruction at a nursing…

North Carolina Medical Society Foundation Community Practitioner Program

Who It’s For: Primary care physicians, physician assistants, and family nurse practitioners in the state of North Carolina who agree to work in a health professional shortage area for at…

North Carolina State Loan Repayment Program

Who It’s For: Mental health professionals in the state of North Carolina who agree to work in a Primary Care setting in a health professional shortage area for at least…

North Dakota State Loan Repayment Programs

Who It’s For: Professionals in a wide variety of healthcare related fields in the state of North Dakota. There are multiple programs, each with its own rules, but generally speaking,…

NURSE Corps Loan Repayment Program

Who It’s For: Registered and advanced-practice nurses who work full time in an eligible critical shortage area, or nurse faculty members who work at an accredited school of nursing. How…

Ohio Dentist and Dental Hygienist Loan Repayment Programs

Who It’s For: Dentists and dental hygienists in the state of Ohio who agree to work in a health professional shortage area for at least two years. How to Apply:…

Ohio Physician Loan Repayment Program

Who It’s For: Primary care physicians in the state of Ohio who agree to work in a health professional shortage area for at least two years. How to Apply: You…

Oklahoma Dental Loan Repayment Program

Who It’s For: Dentists in the state of Oklahoma who agree to either teach at the University of Oklahoma College of Dentistry or work in a health professional shortage area…

Oklahoma Medical Loan Repayment Program

Who It’s For: Primary care physicians in the state of Oklahoma who agree to work in rural and underserved areas. How to Apply: You can visit the Application and Contract…

Oklahoma Physician/Community Match Loan Program

Who It’s For: Primary care physicians in the state of Oklahoma who agree to work in a specific rural and underserved area for at least two years. How to Apply:…

Oregon Health Care Provider Loan Repayment

Who It’s For: Health care professionals from a broad spectrum of medical, dental, and mental health fields who agree to serve underserved communities regardless of their source of coverage (Medicare,…

Oregon Partnership State Loan Repayment Program

Who It’s For: Health care providers (including physicians, dentists, nurses, mental health professionals, and pharmacists) who agree to work at an approved site in a health professional shortage area for…

Pennsylvania Primary Health Care Loan Repayment Program

Who It’s For: Health professionals in the state of Pennsylvania who agree to work in a Primary Care setting in a health professional shortage area for at least two years.…

Primary Care Practitioner Loan Redemption Program of New Jersey

Who It’s For: Primary care health professionals in the state of New Jersey who agree to work in a health professional shortage area for at least two years, up to…

Rhode Island Health Professionals Loan Repayment Program

Who It’s For: Health care professionals in the state of Rhode Island who agree to work at a public or non-profit health care facility in a health professional shortage area…

Rhode Island Primary Care Loan Forgiveness Program

Who It’s For: Physicians, nurse practitioners, and physician assistants newly recruited to practice in the state of Rhode Island. They must be practicing in the disciplines of Family Medicine, Internal…

RISLA Nursing Reward Program

Who It’s For: Licensed registered nurses in the state of Rhode Island who work a minimum of 20 hours per week with a responsibility of direct patient care. How to…

South Dakota Recruitment Assistance Program

Who It’s For: Physicians, dentists, physician assistants, nurse practitioners, and nurse midwives in the state of South Dakota who agree to practice full time in an eligible rural community for…

Tennessee State Loan Repayment Program

Who It’s For: Health professionals in the state of Tennessee who agree to work in a health professional shortage area for at least two years. How to Apply: You should…

Texas Loan Repayment for Mental Health Professionals

Who It’s For: Mental health professionals who agree to work for five consecutive years in a mental health professional shortage area and provide direct patient care to Medicaid enrollees and/or…

Texas Nursing Faculty Loan Repayment Assistance Program

Who It’s For: Nurses with a master’s or doctoral degree who work as a faculty member at an eligible institution in the state of Texas. How to Apply: You can…

Texas Physician Education Loan Repayment Program

Who It’s For: Primary care physicians who agree to practice for four consecutive years in a health professional shortage area or a secure correctional facility. How to Apply: You can…

Vermont Educational Loan Repayment for Health Care Professionals

Who It’s For: Health care professionals in the state of Vermont who agree to work in health professional shortage areas for a set obligation period, typically 12-24 months. How to…

Virginia State Loan Repayment Program

Who It’s For: Health care professionals who work at non-profit organizations in designated health professional shortage areas in the state of Virginia. A 2-year commitment is required to qualify. How…

Washington State Health Professional Loan Repayment Program (HPLRP)

Who It’s For: Health care professionals who agree to work a minimum of three years, 24 hours per week at an eligible site in Washington State. How to Apply: You…

West Virginia Health Sciences Service Program

Who It’s For: Students in the final year of a doctoral or graduate education in several health professions fields (including but not limited to primary care physicians, nurses, physician assistants,…

West Virginia Medical Student Loan Program

Who It’s For: Medical students with financial need who agree to practice in an underserved area of West Virginia. They may practice in the fields of family medicine, obstetrics/gynecology, general…

West Virginia Recruitment & Retention Community Project

Who It’s For: Primary care physicians, nurse practitioners, physician assistants, and dentists who agree to a service obligation of at least one year at an underserved area of West Virginia…

West Virginia State Loan Repayment Program

Who It’s For: Health care professionals in the state of West Virginia who agree to work in health professional shortage areas for at least two years. How to Apply: You…

Wisconsin Health Professions Loan Assistance Program & Rural Physician Loan Assistance Program

Who It’s For: Health care professionals in the state of Wisconsin who agree to work in health professional shortage areas or rural areas for at least three years. How to…

Wyoming Healthcare Professional Loan Repayment Program

Who It’s For: Health care professionals in the state of Wyoming who agree to work in health professional shortage areas for at least three years. How to Apply: You may…

Legal

Attorney Student Loan Repayment Program (ASLRP)

Who It’s For: U.S. Department of Justice employees working in an attorney position. Anyone serving in such a position may apply for consideration. How to Apply: You can check the…

Indiana Richard M. Givan Loan Repayment Assistance Program

Who It’s For: Law school graduates who are employed by a qualifying civil legal aid employer and who earn less than $70,000 per year. How to Apply: You can reach…

John R. Justice Student Loan Repayment Program

Who It’s For: State-employed public defenders, prosecutors, and attorneys who provide supervision, training, or education for state prosecutors & public defenders. How to Apply: You will need to follow the…

Loan Repayment Assistance Program of Minnesota (LRAP-MN)

Who It’s For: Minnesota-based law school graduates who are now employed full-time at a nonprofit agency providing legal advice or representation to low-income clients. How to Apply: You can find…

New Mexico Public Service Law Loan Repayment Program

Who It’s For: Attorneys who choose to pursue public service employment in the state of New Mexico. Applicants must agree to a three year service obligation. How to Apply: You…

New York State District Attorney and Indigent Legal Services Attorney Loan Forgiveness (DALF) Program

Who It’s For: New York State attorneys employed as a District Attorney, Assistant District Attorney, or Indigent Legal Services Attorney for 4-9 years, and have at least one year of…

Veterinary Services

North Dakota State Loan Repayment Programs

Who It’s For: Professionals in a wide variety of healthcare related fields in the state of North Dakota. There are multiple programs, each with its own rules, but generally speaking,…

Veterinary Medicine Loan Repayment Program

Who It’s For: Veterinarians who serve in a veterinarian shortage area for a period of three years. How to Apply: You can visit the program’s page for applicants here. What…

 State-Based Forgiveness Programs

These options are limited to participants in specific states.

Alaska Supporting Health Care Access Through Loan Repayment (SHARP)

Who It’s For: Health care professionals willing to work in federally designated Health Professional Shortage Areas in the state of Alaska. How to Apply: You can find the most recent…

Arizona Loan Repayment Programs

Who It’s For: Fully licensed medical professionals who make a two-year commitment to work in federally designated Health Professional Shortage Areas or Arizona Medically Underserved Areas. How to Apply: You…

Arkansas Community Match Rural Physician Recruitment Program

Who It’s For: Physicians who are either in residency or no more than two years out of residency at a qualified rural community. They must agree to practice primary care…

Arkansas State Teacher Education Program (STEP)

Who It’s For: Arkansas residents with loans from a teacher education program who work as a teacher in to help fill a critical teaching shortage, either in terms of location…

California Office of Statewide Health and Planning Loan Repayment Programs

Who It’s For: There are actually several programs that you can review on this website. In general, these programs are available to California residents who work in specific medical or…

CDA Foundation Student Loan Repayment Grant

Who It’s For: Recent graduates from a dental school who are eligible to practice dentistry in California and agree to serve in an dental professional shortage area for at least…

Colorado Health Service Corps Loan Repayment Program

Who It’s For: Healthcare professionals who work in a designated health professional shortage area. To qualify, you must deliver primary health care services in a public or nonprofit clinic. How…

DC Health Professional Loan Repayment Program

Who It’s For: Health professionals who agree to work full-time at a certified Service Obligation Site How to Apply: Check the Application Package section of the program’s website. What Loans…

Delaware State Loan Repayment Program

Who It’s For: Highly qualified Primary Care, Dental, and Mental Health Care health professionals willing to work in a health professional shortage area in the state of Delaware, for a…

Florida Nursing Student Loan Forgiveness Program

Who It’s For: Nurses (whether LPN, RN, or ARNP) in the state of Florida willing to work in a critical nursing shortage area. How to Apply: Fill out the program’s…

Georgia Loan Repayment Programs

Who It’s For: There are multiple programs for health professionals in Georgia that are willing to provide health services to rural or other health professional shortage areas. These options are…

Hawaii State Loan Repayment Program

Who It’s For: Primary care and behavioral health providers who work at non-profit organizations in designated health professional shortage areas in the state of Hawaii. A 2-year commitment is required…

Idaho Rural Physician Incentive Program (RPIP)

Who It’s For: Physicians in a number of fields (primary care, family medicine, internal medicine, pediatrics) who work in federally-designated health professional shortage areas. How to Apply: Fill out the…

Idaho State Loan Repayment Program

Who It’s For: Health practitioners working for a nonprofit or public entity within a federally-designated health professional shortage area. You will need to work at least 40 hours a week,…

Illinois National Health Service Corps State Loan Repayment Program

Who It’s For: Health professionals who agree to serve full-time or half-time in federally designated health professional shortage areas in Illinois. How to Apply: You can download the application online,…

Illinois Nurse Educator Loan Repayment Program

Who It’s For: Nurse educators who have worked in an approved Illinois institution for at least 12 months. How to Apply: You can find the necessary application form on this…

Illinois Teachers Loan Repayment Program

Who It’s For: Illinois residents who received federal Teacher Loan Forgiveness but still have a remaining balance on their eligible federal loans. How to Apply: You can access the application…

Illinois Veterans’ Home Medical Providers’ Loan Repayment Program

Who It’s For: Physicians, certified nurse practitioners, registered professional nurses, certified nursing assistants, and licensed practical nurses who work in an approved Illinois veterans’ home for at least 12 months.…

Indiana Richard M. Givan Loan Repayment Assistance Program

Who It’s For: Law school graduates who are employed by a qualifying civil legal aid employer and who earn less than $70,000 per year. How to Apply: You can reach…

Iowa Dental Education Loan Repayment/FIND Project

Who It’s For: Fully trained and licensed dentists willing to work in a rural or underserved area and willing to allocate at least 35% of their patient load to the…

Iowa Health Professional Loan Repayment Program

Who It’s For: Health professionals who graduated from Des Moines University and work in a high-need area in Iowa. How to Apply: You can apply through the Des Moines University…

Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program

Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What…

Kansas Bridging Plan

Who It’s For: Primary care and psychiatry resident physicians who agree to work in specific approved residency programs in a rural community in Kansas for at least 36 months. How…

Kansas Rural Opportunity Zone Student Loan Repayment

Who It’s For: Graduates from an accredited post-secondary institution who establish residence in a rural opportunity zone in the state of Kansas. How to Apply: You can access the Student…

Kansas State Loan Repayment Program

Who It’s For: Healthcare professionals in the state of Kansas who agree to work in designated health professional shortage areas for at least two years. How to Apply: You can…

Kentucky State Loan Repayment Program

Who It’s For: Healthcare professionals in the state of Kentucky who agree to work in designated health professional shortage areas for at least two years. How to Apply: You can…

Loan Repayment Assistance Program of Minnesota (LRAP-MN)

Who It’s For: Minnesota-based law school graduates who are now employed full-time at a nonprofit agency providing legal advice or representation to low-income clients. How to Apply: You can find…

Louisiana State Loan Repayment Program

Who It’s For: Healthcare professionals in the state of Louisiana who agree to work in designated health professional shortage areas for at least three years. How to Apply: You can…

Maine Dental Education Loan Repayment Program

Who It’s For: Dentists who agree to practice in underserved areas in Maine for at least two years, renewable for an additional two years. How to Apply: You can find…

Maryland Dent-Care Loan Assistance Repayment Program

Who It’s For: Practicing dentists employed full-time providing care to Maryland Medical Assistance Program (MMAP) recipients in Maryland. How to Apply: You can find the application on the Maryland Department…

Maryland Janet L. Hoffman Loan Assistance Repayment Program & Nancy Grasmick Teacher Award

Who It’s For: Maryland residents in public service jobs, such as state government, local government, or employment by a nonprofit agency that provides aid to low income or underserved residents.…

Maryland State Loan Repayment Program & Maryland Loan Assistance Repayment Program for Physicians

Who It’s For: Medical professionals in the state of Maryland who agree to work in designated health professional shortage areas or medically underserved areas for at least two years. How…

Massachusetts Community Health Center Primary Care Provider Loan Repayment Program

Who It’s For: Physicians, nurses, and physician assistants who have been newly hired to work in a Massachusetts community health center, and agree to a 2-year commitment. How to Apply:…

Massachusetts Loan Repayment Program for Health Professionals

Who It’s For: Primary health care professionals in a variety of medical, dental, and mental health professions who agree to work in a state- or federally-designated health professional shortage area…

Michigan State Loan Repayment Program

Who It’s For: Medical, dental, and mental health professionals in the state of Michigan who agree to work in health professional shortage areas for at least two years. How to…

Minnesota Health Care Loan Forgiveness and Repayment Programs

Who It’s For: Professionals in a wide variety of healthcare related fields in the state of Minnesota. There are multiple programs, each with its own rules, but generally speaking, they…

Mississippi Teacher Loan Repayment Program

Who It’s For: Mississippi teachers employed in a critical shortage area who hold a Mississippi Alternate Route Teaching License. How to Apply: You can apply for this program with their…

Missouri Health Professional State Loan Repayment Program & Nurse Loan Repayment Program

Who It’s For: Medical and dental professionals in the state of Missouri who agree to work in a health professional shortage area for at least two years. How to Apply:…

Montana NHSC Loan Repayment Program

Who It’s For: Medical and dental professionals in the state of Montana who agree to work in a health professional shortage area for at least two years. How to Apply:…

Montana Rural Physician Incentive Program

Who It’s For: Physicians who practice in rural or underserved areas of Montana or provide services primarily to medically underserved populations. How to Apply: You can begin the application process…

Nebraska Loan Repayment Program & NHSC Nebraska Loan Repayment Program

Who It’s For: Medical, dental, and mental health professionals in the state of Nebraska who agree to work in a health professional shortage area for at least two years. How…

Nevada Health Service Corps

Who It’s For: Health professionals in the state of Nevada who have no restrictions upon their DEA certificate who agree to serve an assigned community for a set amount of…

New Hampshire State Loan Repayment Program

Who It’s For: Medical, dental, and mental health professionals in the state of New Hampshire who agree to work in a health professional shortage area for at least three years.…

New Mexico Children, Youth, and Families Worker Loan Repayment Program

Who It’s For: Public service workers who have satisfactorily completed at least two years of service with New Mexico’s Children, Youth, and Families department. They should also be working in…

New Mexico Health Professional Loan Repayment Program

Who It’s For: Medical, dental, and mental health professionals in the state of New Hampshire who agree to work in a health professional shortage area for at least two years.…

New Mexico Minority Doctoral Loan Repayment Assistance Program

Who It’s For: Individuals who have completed a doctoral degree in a field of study in which ethnic minorities and women are demonstrably underrepresented, such as engineering, physical or life…

New Mexico Public Service Law Loan Repayment Program

Who It’s For: Attorneys who choose to pursue public service employment in the state of New Mexico. Applicants must agree to a three year service obligation. How to Apply: You…

New Mexico Teacher Loan Repayment Program

Who It’s For: Teachers who work for a public school that is not meeting academic proficiency levels (overall F or D graded school by the public education department) and is…

New York Regents Physician Loan Forgiveness Award Program

Who It’s For: Physicians in New York State who have completed their residency within the past five years and are willing to commit to working in a designated work shortage…

New York State Child Welfare Worker Loan Forgiveness Incentive Program

Who It’s For: New York State residents who agree to work as a child welfare worker at a voluntary not-for-profit child welfare agency in New York State on a full-time…

New York State District Attorney and Indigent Legal Services Attorney Loan Forgiveness (DALF) Program

Who It’s For: New York State attorneys employed as a District Attorney, Assistant District Attorney, or Indigent Legal Services Attorney for 4-9 years, and have at least one year of…

New York State Get On Your Feet Loan Forgiveness Program

Who It’s For: New York residents who recently graduated from a New York State school , have enrolled in an appropriate income-driven repayment plan, and have an adjusted gross income…

New York State Licensed Social Worker Loan Forgiveness Program

Who It’s For: Licensed social workers who are New York State residents and work full time in a designated critical human service area. How to Apply: You can check the…

New York State Nursing Faculty Forgiveness Incentive Program

Who It’s For: Registered nurses who are New York State residents and work as a nursing faculty member or adjunct clinical faculty providing classroom or clinical instruction at a nursing…

New York State Young Farmers Loan Forgiveness Incentive Program

Who It’s For: New York State residents who recently graduated from an approved New York college or university, and agree to operate a farm in New York State on a…

North Carolina Medical Society Foundation Community Practitioner Program

Who It’s For: Primary care physicians, physician assistants, and family nurse practitioners in the state of North Carolina who agree to work in a health professional shortage area for at…

North Carolina State Loan Repayment Program

Who It’s For: Mental health professionals in the state of North Carolina who agree to work in a Primary Care setting in a health professional shortage area for at least…

North Dakota Science, Technology, Engineering, and Mathematics (STEM) Occupations Student Loan Program

Who It’s For: Employees with a STEM-related education who work full time in a STEM occupation in North Dakota. How to Apply: Online applications are available on the program website,…

North Dakota State Loan Repayment Programs

Who It’s For: Professionals in a wide variety of healthcare related fields in the state of North Dakota. There are multiple programs, each with its own rules, but generally speaking,…

North Dakota Teacher Shortage Loan Forgiveness Program

Who It’s For: Teachers who work in North Dakota and agree to work in a teacher shortage area. How to Apply: There should be an application available on this page,…

Ohio Dentist and Dental Hygienist Loan Repayment Programs

Who It’s For: Dentists and dental hygienists in the state of Ohio who agree to work in a health professional shortage area for at least two years. How to Apply:…

Ohio Physician Loan Repayment Program

Who It’s For: Primary care physicians in the state of Ohio who agree to work in a health professional shortage area for at least two years. How to Apply: You…

Oklahoma Dental Loan Repayment Program

Who It’s For: Dentists in the state of Oklahoma who agree to either teach at the University of Oklahoma College of Dentistry or work in a health professional shortage area…

Oklahoma Medical Loan Repayment Program

Who It’s For: Primary care physicians in the state of Oklahoma who agree to work in rural and underserved areas. How to Apply: You can visit the Application and Contract…

Oklahoma Physician/Community Match Loan Program

Who It’s For: Primary care physicians in the state of Oklahoma who agree to work in a specific rural and underserved area for at least two years. How to Apply:…

Opportunity Maine Tax Credit

Who It’s For: Maine residents who attended Maine schools and now continue to live and work in Maine. There are also other rules and regulations that vary depending on the…

Oregon Health Care Provider Loan Repayment

Who It’s For: Health care professionals from a broad spectrum of medical, dental, and mental health fields who agree to serve underserved communities regardless of their source of coverage (Medicare,…

Oregon Partnership State Loan Repayment Program

Who It’s For: Health care providers (including physicians, dentists, nurses, mental health professionals, and pharmacists) who agree to work at an approved site in a health professional shortage area for…

Pennsylvania Primary Health Care Loan Repayment Program

Who It’s For: Health professionals in the state of Pennsylvania who agree to work in a Primary Care setting in a health professional shortage area for at least two years.…

Primary Care Practitioner Loan Redemption Program of New Jersey

Who It’s For: Primary care health professionals in the state of New Jersey who agree to work in a health professional shortage area for at least two years, up to…

Rhode Island Health Professionals Loan Repayment Program

Who It’s For: Health care professionals in the state of Rhode Island who agree to work at a public or non-profit health care facility in a health professional shortage area…

Rhode Island Primary Care Loan Forgiveness Program

Who It’s For: Physicians, nurse practitioners, and physician assistants newly recruited to practice in the state of Rhode Island. They must be practicing in the disciplines of Family Medicine, Internal…

RISLA Internship Reward Program

Who It’s For: Students who have completed an eligible internship, which must be for at least 3 credits and be on their transcript, certified by a qualified school. How to…

RISLA Nursing Reward Program

Who It’s For: Licensed registered nurses in the state of Rhode Island who work a minimum of 20 hours per week with a responsibility of direct patient care. How to…

South Dakota Recruitment Assistance Program

Who It’s For: Physicians, dentists, physician assistants, nurse practitioners, and nurse midwives in the state of South Dakota who agree to practice full time in an eligible rural community for…

Teach Iowa Scholar Program

Who It’s For: Qualified Iowa teachers who work in designated shortage areas. How to Apply: You can access the application here. What Loans Qualify: Federal loans are the only loans…

Tennessee State Loan Repayment Program

Who It’s For: Health professionals in the state of Tennessee who agree to work in a health professional shortage area for at least two years. How to Apply: You should…

Texas Loan Repayment for Mental Health Professionals

Who It’s For: Mental health professionals who agree to work for five consecutive years in a mental health professional shortage area and provide direct patient care to Medicaid enrollees and/or…

Texas Nursing Faculty Loan Repayment Assistance Program

Who It’s For: Nurses with a master’s or doctoral degree who work as a faculty member at an eligible institution in the state of Texas. How to Apply: You can…

Texas Physician Education Loan Repayment Program

Who It’s For: Primary care physicians who agree to practice for four consecutive years in a health professional shortage area or a secure correctional facility. How to Apply: You can…

Vermont Educational Loan Repayment for Health Care Professionals

Who It’s For: Health care professionals in the state of Vermont who agree to work in health professional shortage areas for a set obligation period, typically 12-24 months. How to…

Virginia State Loan Repayment Program

Who It’s For: Health care professionals who work at non-profit organizations in designated health professional shortage areas in the state of Virginia. A 2-year commitment is required to qualify. How…

Washington State Health Professional Loan Repayment Program (HPLRP)

Who It’s For: Health care professionals who agree to work a minimum of three years, 24 hours per week at an eligible site in Washington State. How to Apply: You…

West Virginia Health Sciences Service Program

Who It’s For: Students in the final year of a doctoral or graduate education in several health professions fields (including but not limited to primary care physicians, nurses, physician assistants,…

West Virginia Medical Student Loan Program

Who It’s For: Medical students with financial need who agree to practice in an underserved area of West Virginia. They may practice in the fields of family medicine, obstetrics/gynecology, general…

West Virginia Recruitment & Retention Community Project

Who It’s For: Primary care physicians, nurse practitioners, physician assistants, and dentists who agree to a service obligation of at least one year at an underserved area of West Virginia…

West Virginia State Loan Repayment Program

Who It’s For: Health care professionals in the state of West Virginia who agree to work in health professional shortage areas for at least two years. How to Apply: You…

Wisconsin Health Professions Loan Assistance Program & Rural Physician Loan Assistance Program

Who It’s For: Health care professionals in the state of Wisconsin who agree to work in health professional shortage areas or rural areas for at least three years. How to…

Wyoming Healthcare Professional Loan Repayment Program

Who It’s For: Health care professionals in the state of Wyoming who agree to work in health professional shortage areas for at least three years. How to Apply: You may…