Student Loan Forgiveness in Texas

In 2018, Texas is a great place to live, not just because it is home to the Dallas Cowboys and the Alamo, but also because the state offers many different student loan forgiveness programs to residents buried in college loan debt.

Anyone who lives in the Lone Star State and who is struggling with their loans should listen up, because Texas student loan forgiveness programs are some of the best in the country, with amazing benefits and substantial savings offered to those who qualify for the programs.

To receive student loan forgiveness in Texas, you will need to look over the forgiveness programs listed below, making sure to pay close attention to their Eligibility Rules and Application Procedures to determine which program fits you best.



Border County Doctoral Faculty Loan Repayment Program

Program Overview

The Border County Doctoral Faculty Loan Repayment Program repays up to $5,000 per year, for up to 10 years. The purpose of this loan forgiveness program is to recruit and retain students that hold doctoral degrees who want to remain or become full-time faculty at Texas institutions located in counties that border Mexico.

Eligibility Rules

  • You must have received a doctoral degree on or after September 1, 1994.
  • You must be employed full-time as a doctoral faculty member with instructional duties at an eligible institution of higher education located in a Texas county that borders Mexico
  • You must have outstanding educational debt from a government or commercial lending institution
  • You must work full-time as doctoral faculty with instructional duties in the approved institution for at least one full academic year

How to Apply


Loan Repayment Program for Speech-Language Pathologist and Audiologists

Program Overview

The Loan Repayment Program for Speech-Language Pathologists and Audiologists offers a varying amount in loan repayment benefits, in the range of $6,000 – $9,000 annually for up to five years. The purpose of the program is to alleviate acute shortage of license speech-language pathologists employed by Texas public schools.

Eligibility Rules

  • You must be a graduate of a communicative disorders program and must be employed as a speech language pathologist or audiologist by a Texas public school district
  • You must be employed as a doctoral faculty member of a communicative disorders program at an institution of higher education
  • You must be licensed by the Texas Board of Examiners for Speech-language Pathology and Audiology
  • You must hold a Certificate of Clinical Competence from the America Speech-Language-Hearing Association
  • You must demonstrate past collaboration with U.S. public schools.
  • You must have participated in the supervision of students completing communitive disorders programs

How to Apply


Nursing Faculty Loan Repayment Assistance Program

Program Overview

The Nursing Faculty Loan Repayment Assistance Program provides up to $7,000 yearly in loan repayment benefits. The program was authorized by Texas Legislature to improve access to nursing education programs. The program was created to encourage qualified nurses to serve as faculty members at eligible institutions of higher education in Texas.

Eligibility Rules

  • You must hold a master’s or doctoral degree in nursing
  • You must be licensed to practice in Texas
  • You must be employed as faculty at an eligible institution

How to Apply



The Physician Education Loan Repayment Program

Program Overview

The Physician Education Loan Repayment Program provides loan repayment funds to qualifying physicians, with up to $160,000 in benefits provided over a time frame of 4 years.

Eligibility Rules

  • You must be a US citizen or Legal Permanent Resident
  • You must hold a full physician license from the Texas Medical Board, with no restrictions
  • You must be eligible to take the exam for board certification from specialty boards established in THECB administrative rules, if the physician has not earned and maintained board certification
  • You must agree to provide four consecutive years of service in a (1) federally designated Health Professional Shortage Area (HPSA), (2) secure correctional facility operated by or under contract with the Texas Juvenile Justice Department*, or (3) secure correctional facility operated by or under contract with the Texas Department of Criminal Justice*
  • You must provide direct patient care to Medicaid enrollees and CHIP enrollees, if the practice includes children
  • You must not be under any other service obligation

How to Apply


St. David’s Foundation Public Health Corps Loan Repayment Program

Program Overview

Amount:  Up to $30,000

The purpose of the St. David’s Foundation Public Health Corps Loan Repayment Program is to offer up to $30,000 in student loan repayment benefits for those people working at eligible sites located in the five-county area served by the Foundation.

Eligibility Rules

  • All providers must be a U.S. citizen or permanent legal resident (or otherwise authorized to work in the United States), practice an approved practice specialty, and agree to provide four years of service at an approved practice site
  • Physicians must have a current unrestricted license from the Texas Medical Board and be board certified or eligible to take the exam from an American Specialty Board that is a member of the American Board of Medical Specialties or the Bureau of Osteopathic Specialists.
  • Dentists must have an unrestricted license from the Texas State Board of Dental Examiners.
  • Physician Assistants must be certified by the National Commission on Certification of Physician Assistants (NCCPA) or be eligible to take the exam offered by the NCCPA and work under the direction of a physician in the area of primary care and/or behavioral health
  • Nurse Practitioners must be licensed as a Nurse Practitioner in the area of primary care and/or behavioral health or be eligible to take exam offered by a national certifying body recognized by the Texas Board of Nursing and work under the direction of a physician

How to Apply


Teach for Texas Loan Repayment Assistance Program

Program Overview

The Teach for Texas Loan Repayment Assistance Program repays up to $2,500 in eligible student loan debt. The purpose of this program is to recruit and retain classroom teachers who are certified in fields and communities within Texas that have a shortage of teachers.

Eligibility Rules

  • You must teach in Texas in a designated shortage area and low-income school
  • You must be able to teach English as a second language, special education, math, science, career, and technical education, and computer science

How to Apply



Texas Student Loan Repayment Assistance Program

Program Overview

The Texas Student Loan Repayment Assistance Program repays up to $4,800 yearly in student loan debt. This program is funded by the State Bar of Texas and administered by the Texas Access to Justice Foundation.

Eligibility Rules

  • You must be an Attorney to be eligible for loan repayment assistance through this program if you work full-time for any Texas legal aid program
  • You must be a recipient of Texas Access to Justice Foundation (TAJF) funds
  • You must be a recipient of Legal Services Corporation funds
  • You must be a Texas-based non-profit that provides civil legal services, if at least 50 percent of the services provided are free to Texans whose income is 200 percent of federal poverty guidelines or less

How to Apply


Educational Loan Repayment Program for Attorneys Employed by the Office of the Attorney General

Program Overview

The Educational Loan Repayment Program for Attorneys Employed by the Office of the Attorney General program repays up to $18,000 in student loans yearly. The purpose of this program is to recruit and retain attorneys from the state of Texas in the Office of the Attorney General.

Eligibility Rules

  • You must not be a non-permanent employee
  • You must not be a political appointee or attorney occupying a position which is expected from the competitive service because of its confidential, policy-determining, policy-making, or policy advocating character
  • You must not be serving on detail for other agencies

How to Apply


Will I Owe Taxes on My Forgiven Debt?

There is a possibility that you will be taxed on any debt you have forgiven, so you’ll want to pay extremely close attention to IRS loan forgiveness rules before agreeing to receive any of the benefits outlined above

According to the current IRS rules, the law states that any debt forgiveness you receive must be counted as taxable income, so if you had $10,000 of student loans forgiven this year, you would need to write that $10,000 on your tax return as income, and pay the resulting income taxes against it.

This can cause massive confusion and problems for borrowers who have been making small payments toward their student loan balances each month, who now find themselves facing a large, lump-sum payment due to the IRS.

Because I’m concerned about how this will impact people who receive student loan forgiveness benefits, I’ve created a whole new website designed to help people with tax-related problems, called Forget Tax Debt. Visit Forget Tax Debt to find tax and taxes-related advice, with articles covering programs like the IRS Fresh Start Program, IRS Tax Debt Forgiveness Benefits, IRS Tax Debt Settlements and other similar topics..

If you’re having trouble with the IRS, please visit www.forgettaxdebt.com.



Where Can I Go For Other Questions?

If you have questions about other topics related to student loan relief, then please take a look around my site, as I cover both Federal and Private student loan assistance programs in comprehensive detail.

For Help with Federal Student Loan Debt, check out my pages on Federal Student Loan Forgiveness, Borrower’s Defense Against Repayment Discharges, the Closed School Loan Discharge Program, Federal Student Loan Bankruptcy Discharges, Federal Loan Consolidation Programs and Best Federal Student Loan Repayment Plans.

For Help with Private Student Loan Debt, see my pages on Private Student Loan Forgiveness, Private Loan Consolidation Programs, Private Student Loan Bankruptcy Discharges and Private Student Loan Default Help.

If you have any further questions about TX student loan forgiveness benefits, general student loan forgiveness or cancellation programs, please leave them in the comments section below and I’ll get you an answer as soon as possible.



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.

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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.

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