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I’m a Nurse Practitioner in Ohio and Looking for Student Loan Forgiveness. – Miranda

“Dear Steve,

Accumulated federal and private loans through nursing and graduate school. Haven’t entered repayment yet, didn’t know if there is a way to settle my debt for less or if there are repayment/loan forgiveness programs.

I am currently a nurse practitioner in the state of Ohio. Through nursing school and graduate school loans, I have accumulated about $87,000 in federal loan debt and about $13,000 in Sallie Mae loans. I haven’t started repayment yet, but I wanted to know if there was any loan forgiveness available for nurse practitioners or how I could set up my loan repayment to repay the least amount while not going broke. Thanks!


Dear Miranda,

You might want to look at the Nursing Education Loan Repayment Program.

In exchange for the initial two years service commitment, participants receive 60 percent of their total qualifying nursing education loan balance. For an optional third year of service, participants may receive 25 percent of their original total qualifying nursing education loan balance.

Then there is the Indian Health Service Program.

The LRP was created to support this mission by providing health professionals like you the financial freedom to fulfill your career goals. The LRP awards up to $20,000 per year for the repayment of your qualified student loans in exchange for an initial two-year service obligation to practice full time at an Indian health program site.

There are a number of other medical loan forgiveness programs as well.

Ohio offers a program in coordination with the National Health Service Corp.

Health professionals eligible for the NHSC Loan Repayment Program include: Primary Care – Physicians (Family Practice, Internal Medicine, Pediatrics, Obstetrics/Gynecology), Nurse Practitioners, Physician Assistants and Certified Nurse Midwives

For more information:
Ohio Department of Health
Recruitment & Retention Coordinator
Primary Care and Rural Health
246 N. High Street
Columbus, Ohio 43215

Telephone: (614) 644-8496
Fax: (614) 995-4235

E-mail: [email protected]

If none of that meets your needs then I would suggest you proactively talk to your student loan servicer for options and discuss the Income Based Repayment (IBR) program with your government loan contact.

Please post your responses and follow-up messages to me on this in the comments section below.

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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