Repay Your Loans

Shaking hands

Financial Aid: Repay Your Loan

Programs for Repaying Student Loans:

Federal student loans must be repaid, just like car loans and mortgages. It’s important to keep track of your student loan borrowing and your repayment obligations. The Federal Student Aid web site provides detailed information regarding repayment including repayment plans, loan consolidation, deferment and consequences of default.

Programs for Teachers:

APLE (Assumption Program of Loans for Education) - If you're planning on a career in teaching, this program can provide you with up to $19,000 in loan repayment benefits over the course of four years. 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. NOTE:The 2013-14 Budget Act does not authorize any new APLE allocations (applications) for this year. This change also impacts the District Interns Program and the Credentialed Teachers Program. - The California Student Aid Commission (Commission) will continue to process paperwork and payments for existing APLE participants (2011-12 academic year and prior), including participants in the APLE District Interns Program and APLE Credentialed Teachers Program.

If you have already applied and wish to check the status of your application please contact CSAC Specialized Programs at (888)224-7268 or  

Federal Teacher Loan Forgiveness Program - Highly qualified teachers may apply to have up to $5,000 of federal loans forgiven, or up to $17,500 for math, science, and special education teachers.


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.

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.


Programs for Public Service:

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.


Programs for Health Care:

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.

The State Nursing Assumption Program of Loans for Education for Nursing Faculty (SNAPLE NF) is designed to encourage persons to complete their graduate degree and serve as nursing faculty in a nursing program at an accredited California college or university. It will pay up to a total of $25,000 on outstanding student loans over the course of 3 academic years for teaching nursing on a full-time basis, or on a part-time basis for the equivalent of three full-time academic years.

At the time of application, a person must already have a baccalaureate degree in nursing or a field related to nursing and must not be currently teaching in nursing. NOTE: State Funding of SNAPLE has been eliminated for 12-13.  

The State Nursing Assumption Program of Loans for Education for Nurses in State Facilities (SNAPLE NSF) is intended to encourage registered nurses and students who will become registered nurses to seek employment in specified state-operated 24-hour facilities with a registered nurse vacancy rate of greater than 10%. It will pay up to a total of $20,000 on outstanding student loans over the course of 4 years for full-time employment service as a registered nurse in a qualified position in an eligible state-operated facility.

An applicant may be a student in an approved pre-licensure program, or an individual who has completed a pre-licensure program within the award year that he or she applies for the program and who has applied or is applying for licensure as a registered nurse in California. Applications must be completed by the applicant and submitted to the director of the nursing program at their institution for review and completion of the nomination form. NOTE: State Funding of SNAPLE has been eliminated for 12-13.

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