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Here is a compiled list of federal and state student loan forgiveness programs to help teachers pay back their student loan debt.

Updated: 10/09/2015

State Program Description
Federal Federal Public Service Loan Forgiveness (PSLF)

Eligible candidates must be employed by a public service organization defined by the PSLF conditions and be a full time employee (+30 hours a week). Loans under the Direct Loan Program are eligible for forgiveness under the PSLF program after 10 years of repayment. The repayment timeline began in 2007 so only payments made after this date will contribute towards the 120 payments needed to ensure forgiveness.

Federal Federal TEACH Grant Program

Teachers looking to begin a teaching career or further one with a master’s can apply to the Teach Grant Program for up to $4,000 per year in forgiveness. The conditions of the grant require teaching in a high-need field or schools that serve low-income families for at least four years within an eight-year time window post graduation. Eligible candidates must demonstrate financial need and be in good academic standing.

Federal Teacher Loan Forgiveness Program (TLFP)

The program was created to encourage teachers to continue working in primary and secondary schools that serve low-income families. Minimum eligibility requires at least five consecutive years of teaching service, and in most cases the borrower must have Federal Stafford or Federal Direct loan(s) for up to $5,000 in loan forgiveness. Highly qualified applicants can receive up to $17,500 when employed through a school provided in the No Child Left Behind Act in 2001 and teaching mathematics, science or special education.

Federal The Federal Perkins Loan Teacher Cancellation

To qualify, the borrower must work at a school that is eligible for Title 1 funds or teach in a shortage area subject or special education. If the Federal Perkins Loans are consolidated with any other loans, the benefits will be lost. To get the discharge benefit, one school year must be completed within a 12-month period for a 15% (including interest) cancellation. After years three and four, up to 20% can be canceled and up to 30% for the fifth year.

Alaska Teacher Education Loan (TEL) Program

Provides low cost educational loans to Alaskans enrolled in a teaching certificate program nationwide. As a teacher in a rural Alaska elementary or secondary school, you may be eligible for 100% loan forgiveness.

Arkansas Arkansas State Teacher Assistance Resource Program

For recent graduates (after 2004) who teach within the Arkansas public school system in a geographical or subject-related shortage area. 250 scholarships will be granted between $3,000 and $6,000 per year for up to three years depending on qualifications.

Delaware Critical Need Scholarships

Full-time employees of Delaware public or charter schools who teach on a valid Emergency Certificate and in a critical need area are eligible for the forgiveness program. Reimbursements are made up to $1,323 for undergraduate coursework or up to the cost of three credits per term for graduate coursework.

Delaware Delaware Teacher Corps

Eligible to Delaware public college undergraduates and graduates earning teaching certificates in critical needs areas – preference is given to preference is given to middle and high school math and science. One year of teaching in a Delaware public school will grant one year of loan forgiveness.

Idaho Education Incentive Loan Forgiveness

Program is designed to encourage graduates of Idaho high schools to pursue teaching at an in-state college or university. The program requires a minimum GPA of 3.0 and a two-year teaching commitment.

Illinois Illinois Special Education Tuition Waiver Program

Awards residents enrolled in an approved Illinois public four-year college special education teaching program. Recipients will be exempt from paying tuition and mandatory fees for up to four calendar years as long as they are committed to teaching for at least two to five years post graduation.

Illinois The Illinois Teachers and Child Care Providers Loan Repayment Program

Eligible to graduates who have fulfilled a five-year teaching obligation at an Illinois school in a low-income area or have worked for two consecutive years in a child care facility that teaches the underserved. If qualified for the Federal government’s loan forgiveness programs, Illinois may provide an additional matching award of up to $5,000.

Iowa Iowa Teacher Loan Forgiveness Program

Licensed teachers in shortage area subjects are eligible for a maximum annual award of 20% of the recipient’s total eligible federal student loan balance.

Kansas Kansas Teacher Service Scholarship

Scholarship is a merit-based award given to students pursuing teaching degrees (bachelor’s and master’s) in hard-to-fill disciplines or for teaching in the underserved in Kansas. Recipients must serve as a teacher for a term equal to the length of the scholarship assistance.

Kentucky Higher Education Assistance Authority Teacher Scholarship Program

Provides up to $2,500 per semester to aid Kentucky students pursuing initial teacher certification at participating Kentucky colleges. One semester of teaching will repay one semester of aid.

Kentucky Minority Educator Recruitment and Retention Scholarship

Kentucky residents of ethnic minority enrolled in a full-time participating Kentucky college teaching program are eligible to receive up to $5,000 per semester for an equivalent commitment of teaching service.

Maine Educators for Maine Program

Accepted educators are eligible to have one year of loans forgiven for each year of service as a full-time teacher. Up to two years of forgiveness will be awarded to teachers working in underserved subject areas.

Maryland Workforce Shortage Student Assistance Grant (WSSAG)

Teachers working towards a certification in a defined shortage field can apply for the WSSAG program under the Sharon Christa McAuliffe Scholarship. The max award received is up to $19,000.

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

Eligible to Maryland residents who provide public service in Maryland State or local government or nonprofit agencies to low income or underserved residents. The Nacy Gransmick Teacher Award provides assistance to those teachers who have debt and have taught in Maryland for the past two years. Personal debt amount dictates award limit.

Mississippi Graduate Teacher Summer Loan/Scholarship (GTS)

To be eligible, the candidate must be under contract in a full-time classroom (K-12) in an accredited Mississippi public school. The program is intended for teachers after attaining a first master’s degree and a Class AA teacher’s license. Recipients are awarded $125 per earned graduate credit hour after agreement to one year of service after the funds are received.

Mississippi Mississippi Teacher Loan Repayment Program (MTLR)

Teachers currently holding an Alternative Route Teaching License and teaching in a shortage area or shortage subject may be eligible to receive up to $3,000 annually towards loans for a maximum of four years.

Mississippi William Winter Teacher Scholar Loan (WWTS)

Awards up to $4,000 per year for a two-year max limit to candidates pursuing a bachelor’s degree in teaching education in exchange for employment as a classroom teacher with the Mississippi public school system. Service obligation is one year of service for one year of loans received.

Montana Quality Educator Loan Assistance Program

Provides direct repayment assistance up to $3,000 per year for up to four years. To qualify, the applicant must teach in an impacted school area and in an academic area impacted by critical educator shortages.

Nebraska Attracting Excellence to Teaching Program

Students enrolled in an eligible undergraduate or graduate teacher education program may apply for up to $3,000 for up to five consecutive years in return for service in an approved public or private school in Nebraska. Up to $6,000 per year will be granted for service in critical shortage areas.

Nebraska Enhancing Excellence in Teaching Program

Eligible students may apply for up to $175 per credit hour, or a $3,000 yearly maximum as part of the student’s graduate program. If the student meets the loan forgiveness obligations, loans will be forgiven beginning after the first two years of full-time teaching, and up to $6,000 for each year of teaching if the student teaches in a school district impacted by critical educator shortages.

New Mexico New Mexico Teacher Loan-For-Service Program

Awards are dependent upon specific public school need for designated high-risk teachers and recipients are expected to complete a two-school-year service obligation. The program provides repayment of the principal and reasonable interest accrued on loans obtained from the federal government for teacher education purposes.

New York New York State Math & Science Teaching Incentive Program

The scholarship is offered to encourage students to pursue careers as secondary math and science teachers (grades 7-12). This program provides awards to students attending school at the undergraduate and/or graduate degree level in exchange for five years of full-time employment as secondary education math or science teachers for a maximum of $5,595 in forgiveness each year.

New York NYC Department of Education: Teachers for Tomorrow

Newly-hired teachers will receive $3,400 for each year of full-time service at a Teachers of Tomorrow school for up to four consecutive years (totaling up to $13,600).

North Dakota STEM Occupations Student Loan Program

Eligible graduates must have been employed in at least a 9-month teaching contract on a full time basis within the state and have graduated in a Science, Technology, Engineering, and Mathematics (STEM) related field. Recipients are eligible to receive up to $1,500 per year in continued loan forgiveness for up to four years.

North Dakota North Dakota University Teacher Shortage Loan Forgiveness Program

The program is designed for individuals who teach in North Dakota at grade levels and/or in content areas identified as having teacher shortages. Funding recipients are eligible for up to $1,000 (maximum of $3,000) in continued loan forgiveness for each consecutive year they teach in a shortage area.

Oaklahoma Teacher Shortage Employment Incentive Program

Designed to recruit and retain mathematics and science teachers in Oklahoma. Successful candidates will be reimbursed for eligible student loan expenses (a set amount, which may vary yearly) or an equivalent cash benefit.

South Carolina South Carolina Teachers Loan Program

The loan is forgiven at the rate of 20% or $3,000, whichever is greater, for each full year of teaching in a critical subject or critical geographic area. If teaching in both a critical subject and a critical geographic area, your loan will be forgiven at the rate of 33 1/3% or $5,000, whichever is greater, for each year of full time teaching.

Tennessee Tennessee Teaching Scholars Program

Participation is limited to college juniors, seniors, and postbaccalaureate candidates admitted to a teacher education program in a Tennessee college or university. Awards are made in equal installments each term throughout the academic year. The award may be renewed three times for a total of four years. The recipient must maintain at least a 2.75 grade point average to remain eligible.

Tennessee Tennessee Math & Science Teacher’s Loan Forgiveness

Provides assistance to Tennessee public school teachers seeking an advanced degree in a math or a science, or a certification to teach a math or a science. Loan forgiveness requires employment in a Tennessee public school system two-years for each year of the loan funding received. Recipients are eligible up to $10,000 for all years of study.

Texas Teach for Texas Loan Repayment Assistance Program

Designed to recruit and retain certified classroom teachers in fields and communities that have a shortage of teachers in Texas. Approximately 500 awards will be granted for a maximum award amount of $2,500.

Utah T.H. Bell Teaching Incentive Loan Program (TIL)

Recipients are required to pursue an educator preparation program, obtain educator licensing, and then teach in Utah public schools for a period equal to the time they received assistance. The TIL consists of a waiver (of tuition and fees at the Utah public institutions and $995.00 per semester at private institutions) to be used for a period not exceeding 8 semesters.

Virginia Virginia Teaching Scholarship Program

Provides financial support to students who are preparing to teach in one of Virginia’s critical shortage teaching areas. Upon degree completion, the scholarship recipient will begin teaching in a public school of the Commonwealth the first full academic year after graduation for the same number of years that the scholarship was received. Eligible students may receive a scholarship loan for as much as $10,000 per academic year for full-time.

West Virginia Underwood-Smith Teacher Scholarship Program

Up to $5,000 per year, scholarships are awarded to undergraduates and graduates who meet the academic qualifications and committed to teaching in West Virginia’s public school district.

Wisconsin Minority Teacher Loan

Wisconsin minority residents can be awarded between $250-$2,000 per academic year and up to $5,000 for the entire academic career. Junior, Senior, or Graduate students enrolled at least half-time can be rewarded regardless of need.

Wisconsin Teacher Education Loan Program

Provides loans to Wisconsin residents enrolled in the teacher education programs at the Milwaukee Teacher Education Center (MTEC). For each year the student teaches in the eligible school district, 50% of the loan is forgiven. If the student does not teach in the eligible district, the loan must be repaid at an interest rate of 5%.

Wisconsin Teacher of the Visually Impaired Loan

Provides loans to Wisconsin resident undergraduates or graduate students who are enrolled at least half-time at an in-state or eligible out-of-state institution in a program that prepares them to be licensed as teachers of the visually impaired or as orientation and mobility instructors. For each of the first two years the student teaches and meets the eligibility criteria, 25% of the loan is forgiven. For the third year, 50% is forgiven.

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