Student Loan Forgiveness in Texas

Instructor: Carrie Soucy
College graduates in Texas may be eligible for student loan forgiveness and repayment benefits if they work in specific fields. Read on to learn about the different options, along with the requirements and qualifications for each.

Student Loan Forgiveness and Repayment Opportunities for Texans

The idea of having the burden of student loans lifted may seem like the stuff of fantasy, but if you work in one of several occupations and meet requirements, you may qualify for a state or federal student loan forgiveness or repayment program. Both repayment and forgiveness plans serve to relieve student loan debt: forgiveness options typically involve having the remainder of a student loan balance erased; repayment benefit plans provide funds for you to partially or fully pay off your student loans. Qualifications vary but are usually based on factors such as your profession, employment and payment history.

Programs Available for College Graduates in Texas

Student loan forgiveness and repayment programs in Texas typically provide benefits to professionals who provide services and support to underserved populations in the state.

For Education Professionals

Several state and federal loan forgiveness and repayment assistance programs are in place for teachers and other school employees in Texas. These programs are only available for those with federal student loans.

Program Who Is Eligible More Information
Federal Teacher Loan Forgiveness Teachers who work for 5 consecutive years in an eligible Title 1 school with at least 30% of students receiving Title 1 Funding
Teach For Texas Loan Repayment Assistance Certified teachers in areas facing teacher shortages
Federal Perkins Loan Teacher Cancellation Full-time teachers in low-income schools or those with teacher shortages; special education teachers
Public Service Loan Forgiveness Full-time teachers and other school employees who have made 120 consecutive on-time loan payments under an eligible repayment plan

For additional information on programs for education professionals, visit the Texas Education Agency website (

For Medical Professionals

Several types of medical professionals in Texas may be eligible for assistance with student loan repayment. These include:

Occupation Program Who Is Eligible More Information
Mental Health Professionals Loan Repayment Program for Mental Health Professionals Psychiatrists, psychologists, certified psychiatric or mental health advanced practice nurses, licensed professional counselors and clinical social workers serving shortage areas
Physicians Physician Education Loan Repayment Program Doctors who serve in shortage areas, including providing care for Medicaid and Texas Children's Health Insurance Program patients
Nurses Nursing Education Loan Repayment Program Licensed registered nurses and nurse faculty working in eligible facilities in shortage areas

For Lawyers

Texas lawyers may be eligible for either:

Program Who Is Eligible More Information
The John R. Justice (JRJ) Student Loan Repayment Program Lawyers who work as prosecutors and public defenders
The Texas Access for Justice Student Loan Repayment Assistance Program Lawyers who provide legal aid

Additional Resources to Help Manage Student Loan Payments

If you do not meet the criteria for any of these forgiveness and repayment options, check out these resources to help you manage your student loan payments:

  • If you have Direct or Federal Family Education loans, you may restructure your payment plan based on your needs. Options include graduated, extended, pay-as-you-earn, and income-based repayment plans. Visit the Federal Student Aid Office's website for more information.
  • To help you plan, budget and manage your student loan payments and other expenses to achieve your financial goals, offers easy-to-follow, self-paced online courses in Money Management and Personal Finance.

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