Loan Repayment and Forgiveness


The AAMC maintains a searchable database of state and federal loan repayment/forgiveness and scholarship programs.

Federal Student Loan Repayment and Forgiveness

 The U.S. Department of Education provides federal loan repayment and forgiveness information on its website, including:

  • Loan repayment plans, such as Income-Driven Plans, which are designed to make student loan debt more manageable by reducing monthly payment amounts.
  • Loan forgiveness, including Public Service Loan Forgiveness (PSLF).
  • Loan consolidation, which allows multiple federal education loans to be combined into one loan. This results in a single monthly payment instead of multiple payments.

Loan Repayment Restart Toolkit

In March of 2020, federal student loan payments of principal and interest were suspended due to the COVID-19 pandemic.  After numerous extensions of the repayment pause over the past 3.5 years, the national emergency has ended and loan repayment is scheduled to resume October 2023.

In cooperation with the National Association of Student Financial Aid Administrators (NASFAA), the Office of Financial Aid is providing these resources to help you navigate the restart of student loan payment.

Step-by-Step: How to Prepare for Successful Student Loan Repayment
  1. Use your FSA ID to log in to
  2. Confi­rm your student loan servicer
  3. Log in to your loan servicer account and update your contact information
  4. Reauthorize or select auto debit for monthly payments
  5. Review payment due date and amount
Step-by-Step: How to Pick the Right Repayment Plan
  1. Review your student loan servicer account
  2. Consider your repayment strategy and decide whether you need to change plans
  3. Research repayment options and con­firm the best plan for you
  4. Once you’ve selected your plan, make the change in your servicer portal or
Tips and Tricks for Preparing to Resume Repayment
  1. Start Early & Be Ready
  2. Review Your Personal Budget
  3. Be Patient & Remain Diligent
  4. Keep Documentation
  5. Stay Alert to Avoid Scams
Video Resources

National Health Service Corps Students to Service Loan Repayment Program

The National Health Service Corps (NHSC) Students to Service (S2S) program provides up to $120,000 in loan repayment for a minimum of three years of service. To apply, students must be entering their final year of medical school, planning to complete a primary care residency in an NHSC-approved specialty (Internal Medicine, Family Practice, Pediatrics, OB/GYN, Psychiatry, Geriatrics), commit to serve in NHSC-approved Health Professional Shortage Areas with the greatest need, and have unpaid government or commercial education loans.  

Veterans Affairs Education Debt Repayment and Loan Forgiveness 

Opportunities exist for loan repayment and forgiveness for health care providers who are employed by the U.S. Department of Veterans Affairs.