2019 Guide to State-Based Student Loan Forgiveness Benefits

There’s literally never been a better time to pursue Federal Student Loan Forgiveness Benefits, because it’s easier than ever before to find a forgiveness, discharge or refund program that you may qualify for, especially if you’re lucky enough to live in a state that offers benefits to its residents.

Whether you’re in California, Texas, New York or Nebraska, there’s a pretty good chance that even if you aren’t able to qualify for top-tier forgiveness benefit programs like the Public Service Loan Forgiveness Program, Government Employee Student Loan Forgiveness or Non-Profit Worker Student Loan Forgiveness, you’ve still got a good shot at qualifying for one of the smaller, state-based programs on offer.

And while these programs may not be as lucrative as the heavy-hitting benefits packages mentioned above, there’s still a huge benefit to looking into them, because you may be able to save yourself thousands or even tens of thousands of dollars. Below, I outline the student loan forgiveness benefits available in each state of the Union, explaining what programs are available, how their eligibility rules work, and how you can apply to receive the benefits.

But Before You Start Looking Through The List…

Do make sure to keep one thing in mind; even if you don’t find a great forgiveness program available in your state, EVERYONE across the country remains eligible to take advantage of excellent student loan relief programs like the Borrower’s Defense Against Repayment Discharge Program, the Closed School Student Loan Discharge Program, and the Federal Student Loan Bankruptcy Discharge Program.

Also, even if you’ve got private loans, don’t give up quite yet, as there’s never been a better time to Get Help with Private Student Loans, since there are some excellent benefits on offer, including incredible Private Student Loan Forgiveness Programs, Private Student Loan Consolidation Programs, Private Student Loan Bankruptcy Discharges and Private Student Loan Default Rehabilitation Programs.

Finally, if you’re struggling to make your monthly payments and have no idea what to do with your loans, then you may need to look elsewhere for help.

Get Help With Your Loans!

If you're truly struggling with student loan debt, then you should consider paying a Student Loan Debt Relief Agency for help. Why? Because the people working at these companies deal with student loans all day, every day, and they're your best chance at figuring out how to get your loans back under control.

For help with Federal Student Loans call the Student Loan Relief Helpline at 1-888-906-3065. They will review your case, evaluate your options for switching repayment plans, consolidating your loans, or pursuing forgiveness benefits, then set you up to get rid of the debt as quickly as possible.

For help with Private Student Loans call McCarthy Law PLC at 1-877-317-0455. McCarthy Law will negotiate with your lender to settle your private loans for much less than you currently owe (typically 40%), then get you a new loan for the lower, settled amount so you can pay off the old loan, repair your credit and reduce your monthly payments.

I've spent 10 years interviewing debt relief agencies, talking to all sorts of "experts", and these are the only two companies that I trust to help my readers. If you have a bad experience with either of them, please make sure to come back and let me know about it in the Comments!

Student Loan Forgiveness by State

Find your state on the list below and click through the relevant links to find out about all the available forgiveness programs on offer.





The Golden State offers several student loan forgiveness programs for those holding Federal loans, but doesn’t appear to offer anything of substance for private loans.

For details on each of the programs available here, visit my page about Student Loan Forgiveness in California.




District of Columbia


The Sunshine State offers a few powerful student loan forgiveness programs for people buried in student debt, including excellent opportunities based on your employment. If you’re a Nurse or you work in the Legal Field, you especially need to pay attention to these opportunities.

For details on the programs available here, visit my page about Student Loan Forgiveness in Florida.


The Peach State only offers one forgiveness program this year, but it’s one of the best in the entire country! Unfortunately, it’s limited to Doctors and Physicians, so it won’t do you much good unless your’s an MD, but if you do end up qualifying for the benefit, you could save yourself up to $100,000.

For details on the programs available here, visit my page about Student Loan Forgiveness in Georgia.




The Prairie State offers several excellent student loan forgiveness programs for high-need workers, like Nurses, Attorneys, Public Defenders and Prosecutors, with some programs even providing over $20,000 in forgiveness benefits to qualifying individuals.

For details on each of the programs available here, visit my page about Student Loan Forgiveness in Illinois.
















New Hampshire

New Jersey

New Mexico

New York

The Empire State has an exciting array of student loan forgiveness programs on offer, with lots of opportunity to wipe out your student loans depending on your employment, background and other characteristics.

For details on each of the programs available here, visit my page about Student Loan Forgiveness in New York.

North Carolina

North Dakota





The Keystone State offers a couple excellent student loan forgiveness programs, including some of the country’s best benefits for Primary Care Providers and Attorneys.

For details on each of the programs available here, please visit my page on Student Loan Forgiveness in Pennsylvania.

Rhode Island

South Carolina

South Dakota



The Lone Star State is one of the best places to qualify for student loan forgiveness, with tons of different programs offering benefits to people of certain occupations, backgrounds and needs.

For details on each of the programs available here, please visit my page on Student Loan Forgiveness in Texas.





West Virginia



Did You Find Something Useful?

Remember, even if you aren’t able to find anything useful from your state, that doesn’t mean you’re out of luck, because there are all sorts of Federal Student Loan Relief and even Private Student Loan Relief programs available across the country.

To find out if you qualify for anything else on offer, look through the pages of my site, which cover benefits packages, discharge opportunities and even refund programs in detail.

Thanks for visiting!

Disclaimer:Information obtained from Forget Student Loan Debt is for educational purposes only. You should consult a licensed financial professional before making any financial decisions. This site receives some compensation through affiliate relationships. This site is not endorsed or affiliated with the U.S. Department of Education.


Tim's experience struggling with crushing student loan debt led him to create the website Forget Student Loan Debt in 2011, where he offers advice, tips and tricks for paying off student loans as quickly and affordably as possible.