You can get help if you are worried about paying back the student loans that are mounting with interest and keep growing every time you look at the bills that come in. You make payments, but it doesn’t seem to make much difference.

Here are just a few ways focused on careers you may have chosen that can help. If your career doesn’t appear here, investigate further. You may find something that will help you in your particular field as a student loan repayment program:

The Armed Forces can help you manage your college debt with special loan repayment programs for qualified students.
All the branches of the US military offer loan repayment programs under specific guidelines.

For instance, the Army's Loan Repayment Program (LRP) is a special enlistment incentive that the Army offers to highly qualified applicants at the time of enlistment. Under the LRP, the Army will repay up to $65,000 of a soldier's qualifying student loans.


Nursing -The Nurse Corps Loan Repayment Program puts registered nurses (including advanced practice nurses and nursing faculty) on a rewarding career path while paying off 60 percent of their unpaid nursing student loans in just 2 years – and an additional 25 percent of the original balance for an optional third year while the new nurses members fulfill a service obligation at any one of thousands of nonprofit hospitals, clinics and other facilities located in designated primary medical care or mental health Health Professional Shortage Areas across the U.S while earning a competitive salary and benefits.

Repay Student Loans

Repay Student Loans

Public Service Loan Forgiveness (PSLF) -This program was created to encourage individuals to work in public service fields. Qualifying borrowers can apply to have the remaining balance of their federal student loans forgiven after making 120 on-time payments.

To be eligible for PSLF, borrowers must-

  • Make 120 on-time, scheduled, full, monthly payments (120 payments = 10 Years)
  • Payments made before October 1, 2007 do not apply
  • Make payments under a qualifying repayment plan

Work full-time at a qualifying organization while making qualifying payments (note that the job function does not matter as long as the organization qualifies as public service).


Teacher Loan Forgiveness – We need more and better teachers. Under this program, if you teach full-time for five complete and consecutive academic years in certain elementary and secondary schools and educational service agencies that serve low-income families, and meet other qualifications, you may be eligible for forgiveness of up to a combined total of $17,500 on your Direct Subsidized and Unsubsidized Loans and your Subsidized and Unsubsidized Federal Stafford Loans. If you have PLUS loans only, you are not eligible for this type of forgiveness.


The National Health Service Corps – a competitive program that recruits fully trained and licensed health professionals to provide primary health services in selected high-need communities. Professionals selected for this program may receive funds to be applied to the principal, interest, and related expenses of government loans and certain commercial loans.