6 Student Loan Relief Options for Social Workers

There are lots and lots of student loan relief options for social workers. That is why if you’ve just graduated from college and you’re looking for a masters’ degree, another expensive cost may just be underway. How about if your undergraduate program was paid for using a loan and you’re currently drowning in tens of thousands worth of dollars debt, you’ll need a way out given that the average income you’ll get is about $31,000.

Where do you begin?

Loan Relief Options for Social Workers

If you’re in the U.S. then there are several loan relief options for social workers, teachers, and generally, government workers. If you fall under any of these, check out the following:

1. National Health Services Corp Loan: 

The National Health Services Corp Loan can give clinical social workers who have been approved about $50,000. However, they must be a part of the program and serve for at least two years in an approved health site. If you can get that amount of cash instantly, it can go a long way to clear your debt.

2. Public Service Loan Forgiveness (PSLF):

Public Service Loan Forgiveness (PSLF) for teachers and social workers comes with certain advantages and that is sweeping your debt under the mat after 10 years of serving the government. Here, you must work 30 hours a week either for a government agency, non-profit organization. 

You must have also made 120 payments towards the loan interest in order to be forgiven. Now, 10 years may sound like a long time, but without this program, many have been known to pass on their debt to a younger generation.

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3. Perkins Loan Cancellation and Discharge:

Perkins which began in September 2017 also wants to relieve you of your loan, but unlike PSLF, you do not have to wait 10 years before that happens. If you were part of the Perkins program years ago, then you can obtain forgiveness if you venture into the child of family care social services.  On a yearly basis, the government covers a part of your loan until it has been fully paid for.

4. North Carolina Loan Repayment Program:

What about in the state you reside in? There is a student loan relief option for social workers. One of such is in North Carolina where the requirement is for a social worker to provide services to mentally ill patients in rural areas. 

Although the job might be quite demanding, the bright side is that it gets your debt cleared while you cater to those that are in need which speaks selfless service. If you can agree to the terms of working for two years in a country health department, rural health center, then you can get as much as $30,000 of what is owed forgiven. 

5. New York State Loan Forgiveness Program:

Like North Carolina, the New York State loan forgiveness program also has something to offer to licensed social workers in the state. But first, you must have lived in the region for a period of one year to qualify for forgiveness of up to $26,000. A year’s working experience is also required in the area of critical human service.

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6. Michigan State Loan Repayment Program:

If $200,000 worth of tax-free funds sounds good to you, then you might want to take a look at the Michigan State Loan repayment program. It is offered to social workers with a master’s degree as well as health care providers. But then, you must be willing to work for two years in a non-profit organization in order to qualify.


Student loan relief options for social workers means that you do not have to carry debt as a student for decades. By trying out a repayment program, part if not all of your debt can be forgiven. Nonetheless, you must also be willing to give a meaningful contribution to the community in order to get something back in return.

Updated: July 5, 2020 — 4:42 am

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