Student Loan Repayment & Forgiveness FAQ

What is a state loan repayment program?

A program, usually run by a state health department or higher education agency, that pays part of your student loans in exchange for working for a set time in a shortage area or profession. Many are funded with help from the federal State Loan Repayment Program.

Who qualifies?

Most state programs are for licensed health care professionals (physicians, nurses, dentists, behavioral health providers and others) working at approved sites. Some states have programs for teachers in shortage subjects or areas.

What's the difference between loan forgiveness and loan repayment?

Forgiveness (such as PSLF) cancels a remaining federal loan balance after you meet the rules. Repayment programs send money toward your loans, usually in exchange for a service commitment.

Do I have to pay to apply?

No. Official programs are free to apply for. Be wary of companies that charge fees to "enroll" you in forgiveness; you can apply yourself at no cost.

Can I combine programs?

Sometimes. Some programs don't allow the same service period to count toward two programs, for example Teacher Loan Forgiveness and PSLF. Check each program's rules before signing.

Want to borrow less next time?

Scholarships and state grants reduce what you need to borrow. See Scholarships Closing Soon for current scholarships by deadline.

Is this financial advice?

No. This site summarizes official sources for general information. Your loan servicer and the program administrator can answer questions about your loans.