Are you one of those students sailing in the boat of your debt? I don’t even need to mention how difficult arranging money to pay off your debt is. So, if you are having such a hard time, you have come to the right place. We are here to you get some student grants for relief.
Your income plays an important role in your life. But paying for your loans can overwhelming and frustrating. Saving money for college becomes a task when you need to arrange money. To get quality education the money you need pay is also a matter of concern.
So, you end up taking students loans to complete your education. Because of this, you walk out of college with debt or end up paying off debts, for most of your lives. So, the best option is to opt for is to apply for student forgiveness loan. You can apply for federal grants to pay off your debt. So, if you are still in school or college, find eligible student grants for yourself. Do not give up on grants can help you in your journey to payoff the debt.
We don’t want you to face such a crisis in their life. Thus, National Resource Connect will tell you everything about grants available for you to apply. So, this will help you pay off your debt.
What is student loan forgiveness?
So, student loan forgiveness has many forms, you can apply for grants to pay off your loans or could get your loan cancelled. In return of working in a specific area for a period of time . Public Service Loan Forgiveness is the most famous forgiveness program, where the government allows you to cancel the federal loan in return for your services. However, it is important for you to be an employee of public services. So, the student forgiveness grants are rewarded by federal & state governments, non-profit organizations, and schools.
What are grants?
So, the easiest way to understand it is Grants are free money! and who would say no to free money you are eligible for? So, Grants are provided by both private and public sources, like government, professional organisations, corporations and school.
So, colleges have gotten more and more expensive. Therefore many of us have to take out student loans just to finish our education. Because of this, many people walk out of college with debt from student loans. There are grants for college which will help you in your education.
There are two categories:
- Profession based grants
- State-based grants
Profession Based Governmental Student Grants
Student Grants are available for you based on your profession. So, these student grants are given by government agencies if you meet the eligibility requirements. You can apply for them in return of your services. Each student grants has different eligibility requirements. As mentioned above your profession also plays a key role in it. So, if you are a person in the medical field, a teacher, or a person whose job is public service, please look through the following grants to see which one is for you:
This is more popularly known for people in the medical field, including doctors, dentists, and mental health professionals. So, a person who fits in the eligibility criteria earns $50,000 and work for two years in the location approved by the National Health Service Corps. The money you earn is not taxed, which is the best part of it.
- Be a citizen of the U.S.
- Be an eligible provider in Medicare, Medicaid and the State Children’s Health Insurance Program
- To be fully trained to practice in health care
So, though there are many state base grants to the payoff of the debt of nurses. But this one is main at the national level. The program will pay off 60% of your student loan to the nurses. Who are registered for two years in the critical shortage area. So, the one who works for an additional year receives 25% in reimbursement. It is provided by the Health Resources and Services Administration.
- Be a citizen of the U.S
- Hold an associate degree in nursing, a diploma in nursing, or a graduate degree in nursing
- Permanent unrestricted license to practice
So, here the Health care providers are eligible for professionals into biomedical or bio behavioral research careers and clinical-based research. So, this program will pay you up to $50,000 per year, with 2 years of experience in research funded by a U.S.-based nonprofit organization.
- Be a citizen of U. S
- Hold a degree in M.D., Ph.D., Pharm.D., Psy.D., D.O., D.D.S., D.M.D., D.P.M., D.C., N.D., O.D., D.V.M., or equivalent doctoral degree from an accredited institution
- Permanent unrestricted license to practice
So, this program is based on eligible employment or volunteer services. So, it will also looks into the time you were in such a position.
- You are only eligible for 100% cancellation, if you have worked full- time in the public or non-profit elementary or secondary school system as a
- teacher in a school helping students of low-income
- Also, have experience in teaching infants, toddlers, children, and students with disabilities
- To apply for cancellation, you must be directly employed by the school system
- The cancellation of teachers is based on the duties presented in position description and title.
So, under this program, you are expected to teach full time in a low-income school or educational service agency. You can earn up to $17,500 in forgiveness for your federal Direct Subsidized and Un-subsidized Loans (which includes Stafford loans).
- Employed full-time teaching experience for five complete years and consecutive academic year
- One of those years after the 1997–98 academic year is required
- You should be an employee of elementary school, secondary school, or educational service agency teaching low-income students
- The loan for which you are asking forgiveness for, should be in your five academic years of teaching service
So, under this program, it provides $6,000 per year, and up to $60,000 in total. The program is available for the attorneys who work in the Department of Justice and have federal student loan debt totaling at least $10,000. The selection process is on a competitive basis.
- A three-year service obligation needed
- The person should serve in an attorney position to apply for ASLRP
- The person applying should qualify under the attorney’s student loans and fulfil the statutory requirements, too
So, a public defender or a prosecutor is eligible for the John R. Justice Student Loan Repayment Program. You receive $10,000 a year for up to six years to pay off your student loans, if you agree to devote 3 to six years in the service.
- To complete a minimum of 3 years in the service
- All the governor designated state agency are eligible to apply
- You can apply for this program through your state
- So, the maximum amount you receive in the program is $60,000
Under this program, you have currently or in past served the U.S. military. So, the amount you receive here depends on the branch you work in.
- To complete a minimum of 3 years in the service
- You should decline enrollment in the Montgomery GI Bill in writing, using DD Form 2366
- A high school diploma, a score of 50 or higher on the Armed Services Vocational Aptitude Battery (ASVAB)
- So, the Loan Repayment Program guaranteed in writing in your enlistment contract is necessary
So, if your parent who served in the military and died because of their service in Iraq or Afghanistan, you are eligible for this program. You may be eligible for $6,095 to use in your student loan.
- You must under 24 or enrolled part-time in college, during the time of their parent’s death
- Federal Pell Grant eligibility requirements
- If your parent was a member of the military and died because of service in Iraq or Afghanistan after the events of 9/11
So, if you looking to apply for grants to pay off your loans, National Institute of Food and Agriculture is the right place for you.
- To complete a minimum of 3 years in the service
- You should have an accredited degree in veterinary medicine and carry at least $15,000 in loan debt.
- An amount $25,000, received per year for paying off your loans
State-Based Student Grants
There are state-based student grants available for you. However, they are separate from federal grants. So, every state offers some loan forgiveness grants to people who are living and working in state. It depends on which state you live in, look through the grants offered. So, they are given to people across various industries, from STEM careers to agricultural. Look through the following list based on your state and apply:
- Alabama- Alabama Math and Science Teacher Education Program (AMSTEP)
- Alaska- SHARP – Healthcare Professions Loan Repayment and Incentive Program
- Arizona- ADHS- Loan Repayment Program
- Arizona Teacher Student Loan Program
- Joyce Holsey’s ALL (Arizona’s Legal Legacy) – Loan Repayment Assistance Program
- Arkansas-State Teacher Education Program (STEP)
- California- California State Loan Repayment Program (SLRP)
- California Dental Corps Loan Repayment Program
- Colorado- Colorado Health Service Corps
- Law LRAP: Loan Repayment Assistance Program
- Connecticut- Minority Teacher Incentive Program
- Delaware- Delaware State Loan Repayment Program (SLRP)
- Florida- Nursing Student Loan Forgiveness Program
- Law Loan Repayment Assistance Program
- Georgia- Physicians for Rural Areas Assistance Program (PRAA)
- Georgia Physician Loan Repayment Program (GPLRP)
- Dentists for Rural Areas Assistance Program (DRAA)
- NYS Teacher Loan Forgiveness Program
- NYS Child Welfare Worker Loan Forgiveness Incentive Program
- Doctors Across New York Physician Loan Repayment
- North Carolina- Forgivable Education Loans for Service
- North Carolina State Loan Repayment Program for behavioral health providers
So, there are no state-based grant programs for loan forgiveness offered by the state specifically. I would suggest looking through and applying for one of the federal loan forgiveness/repayment programs.
- Ohio-Ohio Dentist Loan Repayment Program
- Oklahoma- Physician Loan Repayment Program
- Physician Assistant Loan Repayment
- Oklahoma Dental Loan Repayment Program
- Oregon-Health Care Provider Incentive Program
- Oregon State Bar Loan Repayment Assistance Program
- Pennsylvania-Pennsylvania Primary Care Loan Repayment Program
- PA IOLTA Loan Repayment Assistance Program
- Rhode Island-Health Professionals Loan Repayment Program
- Loan Forgiveness for Internships
- Nursing Reward Program
- Wavemaker Fellowship
- South Carolina-Public Interest Law Loan Forgiveness Fund
- South Dakota-Dentist Loan Repayment For Service Program
- Texas-Loan Repayment Program for Mental Health Professionals
- Math and Science Scholars Loan Repayment Program
- Nursing Faculty Loan Repayment Assistance Program
- Peace Officer Loan Repayment Assistance Program
- Physician Education Loan Repayment Program
- Teach for Texas Loan Repayment Assistance Program
- State Bar of Texas Student Loan Repayment Assistance Program (Texas SLRAP)
- Utah-Rural Physician Loan Repayment Program
- Health Care Workforce Financial Assistance Program
- Vermont-Educational Loan Repayment for Health Care Professionals
- Vermont Bar Foundation Loan Repayment Assistance Program
- Virginia-Virginia Loan Forgiveness Program for graduates employed in public service
- Virginia Loan Commonwealth Plan for graduates employed in private practice in Virginia
- Washington-Health Professional Loan Repayment Program
- West Virginia-State Loan Repayment Program for primary care physicians, nurse practitioners, physician assistants, dentists, and nurse midwives
- Wisconsin-Health Professions Loan Assistance Program
- Wyoming-Wyoming State Loan Repayment Repayment Program for healthcare professionals.
- Wyoming Veterinary Loan Repayment Program
So, here are some more state student grants
- Physician Assistant Loan Repayment Program (PALRP)
- Advanced Practice Registered Nurse Loan Repayment Program (APRNLRP)
- Hawaii- The Hawaii State Loan Repayment Program
- Idaho – The Rural Physician Incentive Program (RPIP)
- State Loan Repayment Program
- Illinois-Illinois Teachers Loan Repayment Program
- John R. Justice Student Loan Repayment Program
- Nurse Educator Loan Repayment Program
- Veterans’ Home Medical Providers’ Loan Repayment Program
- Indiana-Richard M. Givan Loan Repayment Assistance Program
- Lowa-Teach Iowa Scholar Program
- Health Care Loan Repayment Program
- Rural Iowa Primary Care Loan Repayment Program
- Health Professional Recruitment Program
- Kansas-Rural Opportunity Zones Student Loan Repayment Program
- Kansas State Loan Repayment Program
- Kentucky-Kentucky State Loan Repayment Program
- Louisiana- Louisiana State Loan Repayment Program
- Louisiana Bar Foundation- Loan Repayment Assistance Program
- Maine- EDUCATORS FOR MAINE LOAN FORGIVENESS
- DENTAL EDUCATION LOAN REPAYMENT PROGRAM
- Alfond Leaders Program:
- Maryland-Janet L. Hoffman Loan Assistance Repayment Program (LARP)
- Maryland Dent-Care Loan Assistance Repayment Program (MDC-LARP)
- Massachusetts-Massachusetts Loan Repayment Program for Health Professionals
- Michigan-Michigan State Loan Repayment Program
- Minnesota-Minnesota health care loan forgiveness program
- Minnesota Loan Repayment Assistance Program for Law
- Mississippi-Mississippi Teacher Loan Repayment Program
- Missouri-PRIMO Health Professional Loan Repayment
- Missouri Nurse Student Loan Repayment
- Montana-Montana Rural Physician Incentive Program
- Nebraska-Nebraska Student Loan Repayment Program
- Nevada-NHSC Scholarship and Loan Repayment Program
- New Hampshire-New Hampshire State Loan Repayment Program (SLRP)
- Jersey-Nursing Faculty Loan Redemption Program
- Mexico-New Mexico Health Professional Loan Repayment Program (HPLRP)
- Public Service Law Loan Repayment Program
- New York-NYS Get on Your Feet Loan Forgiveness Program
- NYS District Attorney and Indigent Legal Services Attorney Loan Forgiveness (DALF) Program
- NYS Licensed Social Worker Loan Forgiveness (LSWLF) Program
- New York State Young Farmers Loan Forgiveness Incentive Program
- Regents Physician Loan Forgiveness Program
Quick steps on how to apply for student grants
- Firstly, narrow down your search a little, so you find grants in your field.
- Check if your current job qualifies for Public Service Loan Forgiveness
- Look at if your employer offers tuition assistance or student loan forgiveness.
- Fill the application- Now that you have narrowed down your search. So, go ahead and fill the application form, which is available on the website.
- The organisation will also ask you to write an essay about why are you applying and the work you do- attach your resume and recommendation letter
- So, some common information like the name of your university and proof of graduation, employment proof, residence proof, legal identification.
- So, Keep an eye on the due dates so that you don’t miss out on any opportunity
- All the state offer grants, you need to contact your state government to apply
- So, follow the specification and requirement of your state grants.
Apply for your student grants now!
So, based on where you are living and working, check through the state-based grant programs. Student grants help you repay or forgive your loan. Every grant program has its eligibility requirements and mostly wants you to work somewhere in return. So, many student forgiveness programs are tied to your profession or where are you willing to work.
So, remember your education is an essential investment. You cannot deny the fact good education comes at a cost. So, when it comes to paying off your loans you should explore all the options available.
The difference between grants and loan is you don’t have to pay them back. So, it was your financial support and stability. Being a student can get really tough if you handle your expenses, so we highly recommend each one of you to apply for student grants. So, it is always better to know your options well, it may require a little research but its worth pain.
By clicking on the name of the grant program of your interest, you will find all the information you need to apply. So, don’t worry if there is no specific state-based grant that you can apply to. There are federal grant programs above as well, which may fit you better. Apply for them may help you and relieve some of your financial stress.
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