How to Get Student Loans Forgiven

Other programs

The National Health Service Corps pays up to 25,000 a year for licensed individuals (MDs, PhDs, LMHCs, DDS) who agree to serve in specific areas of need for two years. They update the list weekly. One of the provisions is that you already have the job before applying to the NHSC.

States also offer loan forgiveness programs in areas such as social work, law (if you become a district attorney in a high turnover district), and teachers in areas of need. However some states have cut those forgiveness programs due to a lack of funding.

One important point about loan forgiveness and repayment, if I'm not mistaken it's treated as taxable income.

Someone just emailed me this source for state-based loan forgiveness programs, too:

http://debtfree.elearners.com/

student loan forgiveness

For heaven's sake, the government spends money on far (far, far, far) less worthy causes. Why is forgiving student loans such a big deal? There should be a plethora of ways to pay these back and service should be on the top of the list and I do not mean the ridiculous program of paying the loans for 10 years and then having the rest forgiven after that time. I mean solid bartering--I serve and you forgive. If individuals are willing to be in service to the U. S., dang, that seems like a great tradeoff. Come on--if someone has $100,000+ in student loans (as many people with Ph.D.'s do--who have loans from all the way back to undergraduate days), five years of working for low pay in some public sector organization seems like a reasonable trade-off which could be prorated (some kind of formula taking into consideration the loan, divided by 5 and the salary received)over those years. I think if there were contracts, people should be able to get forgiveness without ever having to make a payment. The only time they should have to make a payment is if the contract is broken for reasons other than disability or death. It is ludicrous to me that the country benefits hugely from an educated populace, but offers little to no help for people to be educated and comfortable enough to pursue their fields in a purposeful way. I realize that student loans are help, but in an ultimately evil way. The costs of education is in so many cases extrordinarily disproportioate to the salaries. People with student loan debt live in survival mode. Let's face it: it is not easy to complete advanced degrees. There are a lot of sacrifces made along the way. And even if the educations were suddenly free of charge and/or student loan forgiveness was widely available in exchange for service, most people probably still would not pursue advanced degrees and many may opt for higher paying jobs that would enable them to pay the loans back instead of committing to service. The country is in need of service. People are in need of loan forgiveness. A good match!