JOBS THAT HELP Repay Loans
Some jobs actually give you both a paycheck and help to repay your student loans. Take a look:
Under California’s APLE (Assumption Program of Loans for Education) programs, up to $11,000 of
your student loan debt will be assumed in return for up to four years of teaching in California in either
a designated subject that has a critical shortage of teachers, or at a designated school. If you teach
math, science or special education, an additional $1,000 will be assumed each year. If you teach one
of these three subjects in the lowest-performing schools, another $1,000 a year will be paid off, for a
total of $19,000. Visit www.csac.ca.gov for more information.
Under the Federal Teacher Loan Forgiveness Program, up to $5,000 of your federal Stafford loan
debt will be paid off if you teach for five years in a low-income school. Up to $17,500 will be paid off if
you teach math, science or special education at the high school level or special education at the
elementary level. For details, go to www.studentaid.ed.gov (click on “Repaying,” then “Cancellation
and Deferment Options for Teachers”).
Teach for America pays recent college graduates to teach for two years at disadvantaged schools.
You may also receive forbearance and interest payment benefits, as well as up to $1,725 a year to
repay your loans. To learn more, go to www.teachforamerica.org.
Your federal Perkins loan debt may be canceled if you teach full time at a qualify school, in a
designated subject or to children with disabilities. Contact your school or go to
www.studentaid.ed.gov for more information.
Through SNAPLE, California’s State Nursing Assumption Program of Loans for Education, up to
$25,000 of your student loan debt may be assumed if you’re a nursing student and go on to teach
nursing at a California college for up to three years. Your student loan debt may also be assumed if
you work as a nurse in a state facility. For details, go to www.csac.ca.gov.
Your federal Perkins loan debt may be cancelled if you work as a nurse or a medical technician.
Contact your college to learn more or go to www.studentaid.ed.gov.
The federal government may assume your student loan debt if your work as a health professional in
underserved areas. Learn more at www.bhpr.hrsa.gov and www.hhs.gov.
CHILD CARE PROVIDERS
If you work in a designated child care site or at a Head Start program, your Perkins loan debt may be
cancelled. For details, go to www.studentaid.ed.gov or contact your college.
NATIONAL SERVICE VOLUNTEERS
AmeriCorps awards may be used to pay off your federal student loan. Visit www.americorps.org to
learn more. If you serve as a VISTA or Peace Corps volunteer, a portion of your federal Perkins loan
debt will be cancelled. To learn more, contact your college or go to www.studentaid.ed.gov.
Certain branches of the U.S. Armed Forces offer loan assumption benefits. For more information,
visit www.todaysmilitary.com. If you serve in the U.S. Armed Forces in an area of hostility or
imminent danger, u to half of your federal Perkins loan debt will be cancelled.
California’s new National Guard Assumption Program of Loans for Education provides up to $11,000
in loan assumption benefits for Californians who enlist or reenlist in the National Guard, the state
Military Reserve or the Naval Militia for up to three years of service. For details, go to