Virginia Loan Forgiveness Programs

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Virginia Loan Forgiveness Programs

Virginia is home to thousands of college graduates and students who are in student loan debt. To put this into perspective, the residents of Virginia collectively owe an alarming $38 billion in student loans. There are a few Virginia loan forgiveness programs in place to tackle this crisis, along with countless country-wide programs that you can leverage to become debt-free. Keep reading to learn all about them.

What Qualifies You for Student Loan Forgiveness?

There are several loan forgiveness programs that have been launched by the federal government and state governments over the years. Currently, there are 3 active Virginia loan forgiveness programs, with each having its own set of requirements (more on that later).

As for the federal loan forgiveness programs, the most common one is the Public Service Loan Forgiveness (PSLF) program (which is open to all Americans). Under this program, applicants who have been employed at a public service job for 10 years and made 120 monthly payments on their Direct Loans, can have their remaining student debt forgiven.

Take a Look at Federal Student Loan Forgiveness Programs

When seeking student loan forgiveness, you can always look beyond your state and explore federal programs.

As a resident of Virginia, you can test your luck and see if you qualify for one of them.

You can explore all options on our list of student loan forgiveness programs.

Virginia Student Loan Forgiveness Programs

The state of Virginia offers the following loan forgiveness programs to its residents:

Let’s discuss the specifics of these programs.

Program: Virginia State Loan Repayment Program

  • Amount: Up to $140,000 (over 4 years)
  • Description: Administered by the Virginia Department of Health-Office of Health Equity (VDH-OHE), the “Virginia State Loan Repayment” program provides student loan repayments to qualified health professionals, for agreeing to serve at least 2 years at designated Health Professional Shortage Areas (HSPAs).
  • Requirements: To be eligible for this program, the applicant must be a resident of Virginia (and have all of the necessary licenses and certifications to practice in the state). Additionally, the applicant must agree to work at one of the specified underserved areas in Virginia where there’s a shortage of professionals. The applicant must not be legally obligated to work elsewhere, and must not have any federal judgments or liens.
  • Program Information: Virginia State Loan Repayment Program

Program: Virginia Loan Forgiveness Program

  • Amount: Varies
  • Description: The Virginia Loan Forgiveness Program was introduced by the University of Virginia School of Law to help graduates with low income public service jobs. Under this program, graduates earning between $55,000 and $75,000 per year receive benefits depending on their income. Those earning less than $55,000 get full assistance with repaying their debt.
  • Requirements: There are two variants of the Virginia Loan Forgiveness program i.e. the VLFP-I (available to those who graduated between 2002 and 2012) and the VLFP-I (for those belonging to the class of 2013 or later). Both require applicants to have entered public service employment within two years after graduation or completed their judicial clerkship immediately after graduating. For VLFP-II, the applicants must have placed their loan in IBR or PAYE.
  • Program Information: Virginia Loan Forgiveness Program

Program: LSC Loan Repayment Assistance Program

  • Amount: Up to $5,600 per year (for 3 years)
  • Description: The LSC Herbert S. Garten Loan Repayment Assistance Program was launched to encourage law graduates to apply for positions at LSC-funded employers and support them financially by repaying their student loan debt as an incentive.
  • Requirements: As already mentioned, applicants must be working for one of LSC’s grantees. In addition, applicants must have a total outstanding (qualifying) debt of $75,000 and not be earning more than $62,500. Besides that, the applicant must also not have more than 5 years of experience working with the eligible grantee.
  • Program Information: LSC Loan Repayment Assistance Program