How to Get Student Loan Forgiveness in Georgia

In 2019, Georgia is a fantastic place to live, and not just because of the peaches, great weather, and amazing history, but also because it offers an excellent student loan forgiveness program to residents who are buried in college loan debt.

If you reside in the Peach State and are struggling with loans then you’d best listen up, because Georgia has a great loan forgiveness program for physicians, and if you qualify, you’ll be eligible to receive incredible benefits for a result of your work.

Unfortunately, at this time, this is the only student loan forgiveness program left in Georgia, so while the number of people eligible to take advantage may be small, the benefits are massive, perhaps better than any other state-based programs currently on offer.

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!

Physicians for Rural Areas Assistance Program

Program Overview

The Physicians for Rural Areas Assistance Program offers up to $25,000 yearly and up to a maximum of $100,000 total in total student loan forgiveness benefits.

Eligibility Rules

  • You must agree to practice medicine a minimum of 40 clinical hours per week in a Georgia County with a population of 35,000 or fewer people, according to the 2010 Census Count of the United States Bureau of the Census.
  • The practice time requirement can be split between two or more counties, provided that none of the practice location counties exceeds the 35,000 population limit.

How to Apply

Will I Owe Taxes on My Forgiven Debt

There is a chance that you will be taxed on any debt that has been forgiven, as according to the IRS rules, all debt forgiveness must be reported as taxable income.

For example, if you have $15,000 in debt forgiven, then you’re supposed to list that as income on your tax return and pay income taxes against it.

This is causing all sorts of problems for borrowers who have been making small payments toward their student loan balances each month, and who find themselves owing a huge amount that the IRS wants paid up front.

To help people who get into trouble with the IRS, I’ve created a new website called Forget Tax Debt that provides advice and guidance on all tax-related concerns.

Visit my site to get advice covering programs like the IRS Fresh Start ProgramIRS Tax Debt Forgiveness BenefitsIRS Tax Debt Settlements and other similar topics.

If you’re having trouble with the IRS, please visit

Where Can I Go For Other Questions?

If you have questions about student loan topics, please take a look around my site, as I cover both Federal and Private student loan programs in detail.

If you need Help with Federal Student Loans, then be sure to visit my pages on Federal Student Loan ForgivenessBorrower’s Defense Against Repayment Discharges, the Closed School Loan Discharge ProgramFederal Student Loan Bankruptcy DischargesFederal Loan Consolidation Programs and The Best Federal Student Loan Repayment Plans.

And if you want Help with Private Student Loans, see my pages on Private Student Loan ForgivenessPrivate Loan Consolidation ProgramsPrivate Student Loan Bankruptcy Discharges and Private Student Loan Default Help.

For any other questions about student loan forgiveness in Georgia, please feel free to leave them in the Comments section below and I’ll get you a response as quickly as I can.

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.