New Hampshire Student Loan Forgiveness: Get the Relief You Need

• New Hampshire offers up to $75,000 in loan repayment for healthcare, dentistry, and manufacturing professionals who meet service requirements.

• PSLF and IDR forgiveness can eliminate federal student loans, but only if you qualify and follow the rules.

• Scholarships and tuition assistance can reduce costs upfront, helping you borrow less and avoid unnecessary debt.

Student loan debt is a reality for many in New Hampshire, but there are ways to reduce or eliminate what you owe. The state offers loan repayment programs for professionals in critical fields, while federal programs provide forgiveness options for eligible borrowers.

For those still in school, scholarships and tuition assistance can help cut costs before loans become necessary. Here’s how these programs work and who qualifies.

Related: State Programs for Student Loan Forgiveness

New Hampshire offers state-funded loan repayment programs for professionals in healthcare, dentistry, and regenerative manufacturing. If you work in one of these fields, you could get up to $75,000 in loan assistance by committing to a service period.

Here’s what’s available and how to qualify.

New Hampshire State Loan Repayment Program (SLRP)

Healthcare professionals in the state can receive student loan repayment assistance through the New Hampshire SLRP. This program helps recruit and retain providers in medically underserved areas across the state. Related: Student Loan Forgiveness for Healthcare Workers

• Who qualifies? Physicians, dentists, nurse practitioners, physician assistants, behavioral health providers, registered dental hygienists, and other licensed healthcare professionals working in designated shortage areas.

• What do you get? Loan repayment assistance of up to $75,000 for full-time service over three years. Part-time providers may qualify for up to $27,500 over two years.

• Commitment: Must work full-time for three years or part-time for two years at an eligible practice site.

• Apply through: The New Hampshire Department of Health and Human Services.

Private Practice Dentists State Loan Repayment Program (SLRP-PPD)

The SLRP Private Practice Dentists supports private practice dentists who serve Medicaid patients in underserved areas of New Hampshire.

• Who qualifies? Licensed dentists operating a private practice in a Medicaid-designated priority area and enrolled as a New Hampshire Medicaid provider.

• What do you get? Up to $75,000 in loan repayment assistance over three years.

• Commitment: Must provide care for at least 15% Medicaid patients and serve for three years.

• Apply through: The New Hampshire Department of Health and Human Services.

ElevateNH Loan Repayment Program

The ElevateNH Loan Repayment Program helps retain regenerative manufacturing professionals in New Hampshire by offering loan repayment assistance.

• Who qualifies? Full-time employees at a qualified regenerative manufacturing company in New Hampshire who are nominated by their employer. Applicants must have an undergraduate or graduate degree from an accredited institution.

• What do you get? Student loan repayment assistance (amount varies based on funding and employer participation).

• Commitment: Must maintain full-time employment and New Hampshire residency for five consecutive years.

• Apply through: ElevateNH.

In addition to New Hampshire’s state-specific programs, residents may benefit from several federal student loan forgiveness options:

• Public Service Loan Forgiveness (PSLF): Forgives the remaining balance on Direct Loans after 120 qualifying monthly payments under a qualifying repayment plan, while working full-time for a PSLF qualifying employer, such as government organizations or non-profit entities.

• Teacher Loan Forgiveness: Offers up to $17,500 in loan forgiveness for teachers who work full-time for five consecutive years in low-income schools or educational service agencies.

• Income-Driven Repayment (IDR) Plan Forgiveness: After making payments based on income and family size for 20 or 25 years (depending on the plan), any remaining loan balance may be forgiven.

• Total and Permanent Disability Discharge: Discharges federal student loans for borrowers who are totally and permanently disabled.

• Borrower Defense to Repayment: Provides loan discharge if a borrower can prove their school misled them or engaged in misconduct in violation of certain laws.

These programs are subject to change based on legislative and administrative actions. It’s essential to consult the official Federal Student Aid website or your loan servicer for the most current information.

Related: How to Apply for Student Loan Forgiveness?

New Hampshire residents can also access scholarships, grants, and tuition assistance to reduce education costs before relying on student loans.

These programs provide financial aid for students pursuing college degrees, vocational training, or specialized careers.

• New Hampshire Charitable Foundation Scholarships: Offers over $7 million annually in scholarships for New Hampshire students attending accredited colleges, universities, or vocational schools. Awards are based on financial need and academic merit.

• Governor’s Scholarship Program: Provides up to $2,000 per year for New Hampshire students enrolling in an in-state college or university. Awards are based on financial need and academic achievement.

• New England Regional Student Program (NERSP): Allows New Hampshire students to pay reduced tuition at out-of-state public colleges in New England if their chosen major isn’t offered at an in-state school.

• Workforce Incentive Programs & Employer Tuition Assistance: Some New Hampshire employers offer tuition reimbursement or student loan repayment assistance to attract and retain workers in healthcare, STEM, and education fields. Benefits vary by employer.

New Hampshire student loan forgiveness and repayment programs can ease the burden of student debt, but knowing which option fits your situation isn’t always clear.

Some programs require years of service, while others have strict eligibility rules. Missing a detail could mean losing out on relief.

Instead of guessing, get expert guidance on the best path forward.

Book a call with our student loan expert to cut through the confusion and get real answers—no fluff, no wasted time.

Related Readings:

• Is it Too Late to Apply for Student Loan Forgiveness

• Are Federal Student Loans Forgiven After 25 Years

• How Long Do Student Loans Stay on Your Credit