2018 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 I recommend that you pay an expert for help with handling your debt. There’s only one company I trust to refer my readers to, and that’s the Student Loan Relief Helpline.

The Helpline is staffed with absolute experts in student loan forgiveness, discharges and refunds, and if anyone can help you figure out how to get rid of your loans quickly and affordably, it’s them. To reach the Student Loan Relief Helpline, call: 1-888-906-3065.

And now, without further ado… here’s the list of student loan forgiveness programs available in each state.

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, where he offers advice on paying off student loans as quickly, and cheaply, as possible. His new website Forget Tax Debt, offers similar advice to people with back tax problems.