Repay Your Loans

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Programs to Help Repay Student Loans 

Federal student loans must be repaid, just like car loans and mortgages. However, in certain situations, you may be eligible for loan forgiveness, cancellation, or assistance. Below are some programs Brandman students may find beneficial. 

Programs for Teachers:

Programs for Military:

Programs for Public Service:

Programs for Health Care:

Programs for Teachers:

Federal Teacher Loan Forgiveness Programs

The Teacher Loan Forgiveness Program is intended to encourage individuals to enter and continue in the teaching profession. 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 Loans and Federal Stafford Loans.

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Public Service Loan Forgiveness Program

This program was created to encourage individuals to enter and continue to work full-time in public service jobs. Under this program, you may qualify for forgiveness of the remaining balance due on your eligible federal student loans after you have made 120 payments on loans under certain repayment plans while employed full time by certain public service employers.  Only non-defaulted loans made under the William D. Ford Federal Direct Loan Program are eligible for loan forgiveness.

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APLE (Assumption Program of Loans for Education)

In exchange for teaching in either a low-income school or a teacher subject shortage area, the California Student Aid Commission (CSAC) will repay a certain portion of your student loans over the course of four years. At this time, no new applications are being accepted, however there has been recent discussions to bring this program back so please check back in July to see if new applications will be accepted for future years.

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Programs for Military:

ARMY

The Army College Loan Repayment Program may repay up to $65,000 in federal loans for those who enlist full time for three or more years. The Army Reserve Benefit may repay up to $40,000 in federal loans for those who enlist for six years.

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NAVY

The Loan Repayment Program can provide you with up to $65,000 to use toward paying off qualifying loans. To be eligible, your loan cannot be in default and you must be serving in your first enlistment. This program is available to enlisted service members (those without a college degree) serving in any Active Duty position.

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Programs for Public Service:

Public Loan Forgiveness Program

Qualifying employment for the PSLF Program is not about the specific job that you do for your employer. Rather, it is about who your employer is. Employment with the following types of organizations qualifies for PSLF:

  • Government organizations at any level (federal, state, local, or tribal)
  • Not-for-profit organizations that are tax-exempt under Section 501(c)(3) of the Internal Revenue Code
  • Other types of not-for-profit organizations that provide certain types of qualifying public services

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Programs for Health Care:

The California State Loan Repayment Program (SLRP)

The California State Loan Repayment Program (SLRP) has up to $100,000 in funding available for primary healthcare providers who commit to a three-year service obligation at a public or private non-profit medical facility that is located in a Health Professional Shortage Area. In order to participate, you must be providing full-time direct patient care in a medical facility.  Qualifying licensed, non-residency, primary care health professionals in following disciplines only may apply:

  • Allopathic or Osteopathic Physicians specializing in Family Medicine, General Pediatrics, General Internal Medicine, General Psychiatry, Gerontology, or Obstetrics and Gynecology
  • Primary Care Nurse Practitioners
  • Primary Care Physician Assistants
  • Certified Nurse Mid-Wives
  • Dentists and Dental Hygienists
  • Licensed Mental or Behavioral Health Professionals: Clinical or Counseling Psychologists, Clinical Social Workers, Professional Counselors, Marriage and Family Therapists, or Psychiatric Nurse Specialists

A list of the current eligible sites may also be found on the SLRP website. The application cycle opened on January 7, 2011 and will be open continuously until funds are expended.

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The Health Professions Education Foundation

The Health Professions Education Foundation also has a number of assistance programs.

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