Idaho Student Loan Forgiveness: See If You Qualify for Relief

• You may qualify for student loan forgiveness in Idaho if you work in healthcare, nursing, or education in an underserved area.

• PSLF, Teacher Loan Forgiveness, and IDR forgiveness can erase your debt if you work in public service, education, nonprofits, or make income-based payments for 20–25 years.

• Need help picking a program? Idaho’s State Board of Education partners with TIAA and Savi to help lower payments and qualify for loan relief.

Idaho student loan forgiveness is available through state and federal programs, but your eligibility depends on your profession, loan type, and where you work.

State-run repayment programs help healthcare workers, nurses, and educators in underserved areas, while federal programs like PSLF, Teacher Loan Forgiveness, and IDR forgiveness provide relief for public service employees and long-term borrowers.

Understanding these options can help you reduce or eliminate your student debt. This guide breaks down the available programs so you can take action with confidence.

This guide breaks down your options so you can take action with confidence.

Idaho offers several loan repayment programs to support professionals working in high-need areas. These programs provide student debt relief for healthcare workers, educators, and other public service employees in exchange for serving rural or underserved communities.

For detailed information on available programs and eligibility criteria, visit the Idaho Department of Health and Welfare’s Loan Repayment and Grants page.

Here’s a look at the state-specific loan forgiveness options available to Idaho residents:

Idaho State Loan Repayment Program (SLRP)

Idaho State Loan Repayment Program provides loan repayment assistance to healthcare professionals working in federally designated Health Professional Shortage Areas (HPSAs). The program ensures that underserved communities have access to essential medical services.

• Who Qualifies: Eligible physicians, nurse practitioners, physician assistants, registered nurses, and behavioral health providers with substance abuse certifications.

• Benefit: $5,000 to $25,000 per year in loan repayment assistance.

• Commitment: Two-year service commitment at an approved site that accepts Medicare, Medicaid, and offers a sliding fee scale for low-income patients.

Rural Nursing Loan Repayment Program (RNLRP)

RNLRP supports nurses practicing in rural and underserved communities by providing financial assistance for student loan repayment.

• Who Qualifies: Registered nurses (RNs) and licensed practical nurses (LPNs) working in direct patient care in rural Idaho.

• Benefit: Up to $25,000 over three years, depending on total nursing education debt.

• Commitment: Continued employment in a rural or underserved healthcare facility.

Rural Physician Incentive Program (RPIP)

RPIP helps physicians reduce their student loan debt while serving in high-need communities. The program is funded through fees paid by medical students at Idaho’s state-supported medical school seats.

• Who Qualifies: Primary care physicians, family medicine doctors, internal medicine doctors, and pediatricians working in underserved areas.

• Benefit: Up to $100,000 in loan repayment over four years.

• Commitment: Practicing medicine in an approved rural or underserved location.

Rural and Underserved Educator Incentive Program

This program provides financial assistance to educators working in rural and underserved school districts to help them pay off student loan debt.

• Who Qualifies: Full-time teachers and school staff with a renewable five-year teaching certificate working in eligible Idaho schools.

• Benefit: Up to $12,000 over four years.

  • $1,500 in Year 1

  • $2,500 in Year 2

  • $3,500 in Year 3

  • $4,500 in Year 4

• Commitment: Continued employment in an eligible school district or public charter school.

In addition to Idaho’s state-specific loan repayment options, federal programs offer broader student loan forgiveness opportunities. These programs help public service workers, teachers, and borrowers on long-term repayment plans reduce or eliminate their federal loans.

Here’s a quick overview of the main programs available to Idaho residents:

• Public Service Loan Forgiveness (PSLF) offers full loan forgiveness for government and nonprofit employees after 120 qualifying payments under an income-driven repayment plan. This program is ideal for public service workers, including teachers, healthcare professionals, and government employees.

• Teacher Loan Forgiveness provides up to $17,500 in loan forgiveness for educators who teach full-time in low-income schools for five consecutive years. This program helps teachers in underserved communities manage their student debt while continuing their careers in education.

• Income-Driven Repayment (IDR) Forgiveness adjusts monthly payments based on income and family size. After 20 or 25 years of qualifying payments, any remaining loan balance is forgiven. This option benefits borrowers with high debt relative to their income.

Each program has its own eligibility rules and application process. To find out which one works best for you, visit Federal Student Aid’s website for details.

Related: Is it Too Late to Apply for Student Loan Forgiveness?

The Idaho State Board of Education has partnered with TIAA and Savi to assist borrowers in reducing their student loan payments and achieving loan forgiveness. This collaboration is particularly beneficial for public service employees, including teachers, healthcare workers, and government staff, who may qualify for programs like IDR plans and PSLF.

Through this partnership, borrowers receive personalized guidance to lower monthly payments and navigate the complexities of loan forgiveness programs. By providing information about your income and loan details, Savi’s platform can identify potential savings and help you enroll in appropriate repayment plans.

To explore how this service can assist you, visit the Idaho State Board of Education’s TIAA and Savi Student Loan Forgiveness Solution page. Here, you can access tools to calculate potential savings and find upcoming webinars that offer insights into managing student debt effectively.

By leveraging this resource, you can take proactive steps toward managing your student loan debt and working toward forgiveness.

Idaho student loan forgiveness isn’t automatic—you need to know which programs you qualify for and how to apply. State repayment programs offer relief for healthcare workers, nurses, and educators in underserved areas. Federal options like PSLF, Teacher Loan Forgiveness, and IDR forgiveness help public service employees and long-term borrowers manage their debt.

The right program can save you thousands, but the process can be overwhelming. That’s where we come in.

with our student loan expert to get a clear plan based on your situation.

We’ll help you understand your options, avoid mistakes, and move forward with confidence.

Related Readings:

• Which Student Loan Repayment Plan is the Best?

• Healthcare Worker Student Loan Forgiveness

• Student Loan Forgiveness Rural Health

• How Do Medical School Loans Work?