Student Loan Forgiveness for Nurses
Nurses have access to some of the best loan forgiveness options available—including programs that can eliminate up to 85% of debt in just 2-3 years. Here's everything you need to know about Nurse Corps, NHSC, PSLF, and state programs.
Federal Programs for Nurses
What it offers: Up to 85% of unpaid nursing education debt
- 60% for initial 2-year commitment
- Additional 25% for optional third year
Who qualifies:
- RNs, APRNs (NPs, CNMs, CNSs, CRNAs)
- Nurse faculty at accredited nursing schools
Where: Critical Shortage Facilities (CSFs) or nursing schools with enrollment shortages
Application: Annual cycle. The 2026 cycle is closed. Awards are taxable. Nurse Corps Info →
For NPs, CNMs, Psychiatric NPs:
- Up to $75,000 for 2 years of full-time primary care service (FY2026 awards)
Where: Health Professional Shortage Areas (HPSAs)
Application: The 2026 cycle is closed; watch HRSA for the next one
What it offers: 100% forgiveness of remaining balance, tax-free
Time required: 10 years (120 qualifying payments)
Who qualifies: Nurses working at:
- Public hospitals (government-owned)
- 501(c)(3) nonprofit hospitals
- Community health centers
- VA hospitals
- Public health departments
Key requirement: Must be on income-driven repayment plan with Direct Loans
Nurse Corps and NHSC can potentially be used before or alongside PSLF. Example: Complete 2 years of Nurse Corps (60% of debt paid), then continue 8 more years toward PSLF for remaining balance forgiveness.
Choosing the Right Path
Best for fast debt elimination:
Nurse Corps LRP — Get 60-85% forgiven in 2-3 years. Ideal if you're willing to work at a Critical Shortage Facility.
Best for complete forgiveness:
PSLF — 100% forgiveness, but requires 10 years. Best if you already work at a qualifying hospital and want maximum long-term benefit.
Best combination strategy:
- Start with Nurse Corps for 2-3 years (eliminate majority of debt)
- If remaining balance is significant, continue making PSLF payments
- After total of 10 years, any remaining balance forgiven via PSLF
For Travel Nurses
Travel nursing typically doesn't qualify for PSLF because the staffing agency (your employer) usually isn't a 501(c)(3). To pursue PSLF, you'd need to work directly for qualifying hospitals rather than through agencies.
State Programs
Many states offer additional loan repayment for nurses, especially in shortage areas. Examples:
- California: SNAPLE program for nurses in state facilities
- Texas: Nursing Faculty Loan Repayment Program
- Minnesota: Health Professional Loan Forgiveness
- New York: Regents Awards for Children of Deceased/Disabled Veterans
Check your state's Department of Health or nursing board for available programs.
Application Timeline Tips
- Nurse Corps: One cycle a year; check HRSA for the next opening
- NHSC: One cycle a year; the 2026 cycle is closed
- PSLF: No deadline—submit Employment Certification annually while working