Student Loan Repayment Assistance


Request: What local government cities/counties provide Student Loan Repayment Assistance? SHRM (Society for Human Resources Management states about 8% of public/private sector companies are proving student loan repayment assistance). If you all can provide cities/counties and any other company in the public sector providing this benefit as well as the requirements, Federal legislation, and/or policies established for the benefit.

Summary of Findings:

Most states have a Student Loan Repayment Assistance program for the following areas: health care, rural physicians, dentistry, teaching, and public law practice through programs established through the federal government or state. I have highlighted the programs that are not specific to these areas of study and are unique to local government and the public sector. It was difficult to find student loan repayment programs that were completely funded through “traditional” funding sources, most partnered with employers or the state to provide assistance. Some select cities relieve graduates of income or property taxes to help. For more information on all programs, state by state, this site is helpful:


City/County Programs

Kansas Rural Opportunity Zones

Rural Opportunity Zones (ROZ) are almost 80 Kansas counties that have been authorized to offer one or both of the following financial incentives to new full-time residents:

  • Kansas state income tax waivers for up to five years
  • Student loan repayments up to $15,000 over 5 years


Employers or County’s may sponsor applicants; employers may help cover a ROZ county's share of the student loan repayment program for approved applicants.


  • Establish domicile in a ROZ County after July 1, 2011 AND on or after the date on which the County opts-in to the student loan program
  • Hold an associate's, bachelor's or post-graduate degree prior to moving to the ROZ County
  • Have an outstanding student loan balance in the applicant’s name
  • Ability to provide proof of residency at current and previous addresses, transcript with degree date, and student loan balance with distribution dates
  • Have a Sponsor. Counties and Employers can sponsor applicants in this program. the Applicant must have a sponsor to receive funding.


St. Clair County, MI – Come Home Award

St. Clair County’s Come Home Award is sponsored through a foundation which offers these awards as essentially a talent retention program. The Award pays students on the back-end of their college career, after they have completed a degree in a STEAM related field, but only if they agree to move back home and work within the St. Clair County. Applicants cannot currently live in St. Clair County and cannot be in the process of moving back.


Applicants cannot already live within St. Clair County and would be limited to recent graduates with the following criteria:

  • Science, Technology, Engineering, Arts, Math (STEAM) graduates
  • Graduated with an appropriate 2, 4 or graduate degree within the last 10 years and still has student debt
  • Applicants may not be already living within the county at the time the award decision is made

Award Size: The awards will be up to $15,000 and will be paid out on a quarterly basis.

Length of Stay: There is no mandatory length of stay. However, if an award recipient moves out of the county during the award program cycle, they would forfeit all future award monies not yet paid.

Use of Funds: Award funds must be used to pay off student debt.

Expectations: Award recipients will be expected to live and work in their communities in order to be eligible for this funding. They must secure a job or create their own business within 120 days of receiving the award. The specific terms and expectations, along with the process for monitoring and evaluating the program’s impact will be up to the entity that is managing the program. Cannot currently live in St. Clair County.


North Platte, NE Area Chamber Development: WorkNP Program

The WorkNP program offers local employers up to $5,000 per open position (in the form of matching funds) for the purpose of creating a robust, attractive worker incentive package to help fill a job.

Qualifying worker incentives can include relocation expenses, down payments or deposits, equipment purchases, help with student loan repayment, specialized training certificates, and more.


Any North Platte Area Chamber and Development member in good standing is qualified to apply for funds. Jobs must be full-time and pay at least $20/hour within three years to qualify.


Hamilton, OH Talent Attraction Program Scholarship

The TAP Scholarship is what is known as a “reverse scholarship” where recent graduates will receive assistance with student loan debt, it is offered through the Hamilton Community Foundation.


  • Have graduated within the last 7 years from a STEAM program (Science, Technology, Engineering, the Arts, or Mathematics) preferred.
  • Not currently living in designated areas in the city of Hamilton BUT with plans to move to or live in the designated areas in Hamilton
  • Must demonstrate employment within City of Hamilton or Butler County
  • Prefer those with a desire to give back to the community and become engaged in activities 
  • Successful applicants to the program may receive up to $10,000, $300 per month for 30 months. If the applicant ceases employment or moves before the end of the 30 month period, they forfeit the right to any future payments.



Idaho State Loan Repayment Program

The State Loan Repayment Program (SLRP) is a multi-discipline, state-based loan repayment program for practitioners working for a nonprofit or public entity located in a federally-designated Health Professional Shortage Area.


  •  Be employed or contracted by a nonprofit or public entity located in a Health Professional Shortage Area;
  • Ensure individuals at or below 200% of the most recent HHS Poverty Guidelines will receive a schedule of discounts, and individuals with income at or below 100% of the HHS Poverty Guidelines will receive services at a nominal fee or at no charge;
  • Accept Medicare, Medicaid, and the Children’s Health Insurance Program;
  • Commit to working two-years at the practice location in exchange for loan repayment and agree to substantial repayment penalties if the term of service is not completed;
  • Not have concurrent service obligations;
  • Agree to participate in a site visit with staff from the Bureau of Rural Health & Primary Care during the obligation period.


North Carolina Forgivable Education Loans for Service​

Established by the North Carolina General Assembly in 2011, the Forgivable Education Loans for Service provides financial assistance to qualified students enrolled in an approved education program and committed to working in critical employment shortage professions in North Carolina. The North Carolina State Education Assistance Authority provides administration for the program.


  • Must be a legal North Carolina resident and NC resident for tuition purposes
  • Must, at the time of application, present a cumulative minimum grade point average
  • Must register with the Selective Service System, if required
  • Recipients must not be in default, or does not owe a refund, under any federal or State loan or grant program
  • Must maintain Satisfactory Academic Progress according to the enrolling policy of the institution.
  • Must be willing to work in NC in a designated critical employment shortage profession.

Source: Program Information:

Janet L. Hoffman Loan Assistance Repayment Program​

This may be awarded to Maryland residents who provide public service in Maryland State or local government or nonprofit agencies in Maryland to low income or underserved residents.


  • You must have earned a degree from a college in Maryland, or from any law school, or a resident teacher certificate from the Maryland State Department of Education (MSDE).
  • You must be employed full-time (35+ hours per week) in state or local government or in a nonprofit organization in Maryland.
  • Your employer must help low income, underserved residents or underserved areas in the state.
  • You must have educational loans from a university, government, or commercial source that you used to pay college expenses.
  • You may not be in default on a loan.
  • Your annual gross salary cannot exceed $60,000. If married, your annual gross salary cannot exceed $60,000, and your combined salaries cannot exceed $130,000.
  • If employed as a nurse faculty member, your annual gross salary cannot exceed $75,000. If married, your annual gross salary cannot exceed $75,000, and your combined salaries cannot exceed $160,000.
  • This is a service-based program.


Newburgh Heights, OH

Eligibility Requirements:

  • The applicant must be a human. LLC’s, businesses, partnerships, etc. are not eligible.
  • Must have purchased a single-family home valued at $50,000 or more within the Village of Newburgh Heights in an arm’s length real estate transaction.
  • Must apply for the grant program within 5 years of graduating with at least a bachelor’s or higher degree and after purchasing a single-family home.
  • The grant awardee must maintain their student loan status in good standing.
  • The home must be purchased after the effective date of this ordinance: January 4, 2019.
  • If the homebuyer has graduated more than 5 years prior to purchasing a home and then returns for a higher degree, subsequently qualifying for the program, only the loans incurred for the purposes of the advanced degree are eligible for reimbursement.
  • The ordinance will go into effect on January 4, 2019 and details on how to apply are due to be released to the public by Spring 2019.

For more information contact Cathleen Nagorski, Finance Officer for the Village of Newburgh Heights. 


Federal Programs

Public Service Loan Forgiveness

Must have full-time public service job within federal or local government, or at a nonprofit organization that’s designated tax-exempt by the IRS.

Even some private nonprofits that are not tax-exempt organizations can qualify if they provide certain public services. Some of these include military service, emergency management, public safety, law enforcement services, public health services, public education, public library services, public interest law services, public service for elderly or those with disabilities, or early childhood education.

If you continue to make 120 qualifying payments (10 years’ worth) under the Standard, Income-Based, Income-Contingent, or Pay As You Earn repayment plans while you’re working full-time, you may qualify for forgiveness of your remaining student loan balance.

Payments must be received on time and be made while you are working at the qualifying public service organization.

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