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Child Welfare Student Loan Forgiveness High Quality

To find out if you qualify, contact the financial aid office at the college or university you attended when you obtained the student loan. If you're interested in a career with DHS, please email the HRM Employment Services Unit or call (405) 521-3613 for more information.

child welfare student loan forgiveness

The National Health Service Corps Loan Repayment Program (NHSC LRP) offers fully trained and licensed clinical social workers $50,000 to repay student loans in exchange for two years serving in a community based site in a high-need Health Professional Shortage Area (HPSA) that has applied to, and been approved by, the NHSC as a service site.

Public Service Loan Forgiveness is a loan forgiveness program targeted at students who pursue public service careers and who have high debt but not high income. Generally this program is available to anyone who works in a non-profit organization. Debt forgiveness is available for Stafford Loans, Federal Direct Plus Loans and Grad Plus Loans. For more information, please visit these web sites:

Payments will be made directly to the selected participant's student loan provider. Participants are eligible to reapply each year for consideration of additional funding. Please note all awards are subject to available funding.

There are better ways to spend that money that would better achieve progressive goals. Increasing spending on more targeted policies would benefit families that are poorer, more disadvantaged, and more likely to be Black and Hispanic, compared to those who stand to benefit from broad student loan forgiveness. Indeed, shoring up spending on other safety net programs would be a far more effective way to help low-income people and people of color.

Student loan relief could be designed to aid those in greater need, advance economic opportunity, and reduce social inequities, but only if it is targeted to borrowers based on family income and post-college earnings. Those who borrowed to get college degrees that are paying off in good jobs with high incomes do not need and should not benefit from loan-forgiveness initiatives that are sold as a way to help truly struggling borrowers.

In terms of its scale in budget and cost to taxpayers, widespread student loan forgiveness would rank among the largest transfer programs in American history. Based on data from the Department of Education, forgiving all federal loans (as Senator Bernie Sanders proposed) would cost on the order of $1.6 trillion.[1] Forgiving student debt up to $50,000 per borrower (as Senators Elizabeth Warren and Chuck Schumer have proposed) would cost about $1 trillion. Limiting loan forgiveness to $10,000, as President Biden has proposed, would cost about $373 billion. Under each of these proposals, all 43 million borrowers would stand to benefit to differing degrees.

The cost of forgiving $50,000 of student debt per borrower is almost twice as large as the federal government has spent on all Pell Grant recipients over the last two decades. In contrast to federal loans, which have no income eligibility limits and are available to undergraduates, graduate students, and parents, Pell Grants are awarded only to low- and middle-income undergraduate students with demonstrated financial need. About seven million students each year benefit, many of whom are poor and the majority of whom are non-white.

Even $10,000 in debt forgiveness would involve a transfer that is about as large as the country has spent on welfare (TANF) since 2000 and exceeds the amount spent since then on feeding hungry school children in high-poverty schools through the school breakfast and lunch program. Likewise, it dwarfs spending on programs that help feed low-income pregnant women and infants or provide energy assistance to those who otherwise struggle to heat their homes in winter.

Beyond the sums that debt forgiveness would represent, the beneficiaries of student loan forgiveness would be higher income, better educated, and whiter than beneficiaries of other transfer programs. The following table describes the economic and demographic characteristics of beneficiaries of selected income support programs as well as would-be beneficiaries of student debt forgiveness.

In terms of demographics and educational attainment, households with student debt largely mirror the characteristics of households in the population at large, except they are better educated. Student loan borrowers are more likely to be white and highly educated. Indeed, among those making payments on student loans the fraction of households that are white is the same as in the population at large, but they are about 70 percent more likely to have a BA and twice as likely to have a graduate degree.

In short, beneficiaries of across-the-board student loan forgiveness would be higher income, better educated, and more likely to be white than beneficiaries of just about all other programs designed to reduce hardship and promote opportunity and targeted to those who need help.

Income-driven repayment: Income-driven repayment plans (like Pay As You Earn, or PAYE) remain an excellent way to target debt relief and forgiveness to students whose post-enrollment incomes are too low to be able to make student debt payments. The Biden Administration has new tools enacted in the FUTURE Act that, if implemented, would make it easier for students to sign up and remain in income-driven plans.

The MI Kids Now Loan Repayment Program is a medical education debt repayment program focused on incentivizing behavioral health care providers to practice in underserved areas in Michigan. Eligible providers will receive student loan repayment for providing mental health services in eligible nonprofit practice sites or public school-based systems. The program has a two-year service obligation.

Nearly 1 in 5 child care workers have student loan debt, according to a Stanford University survey of 802 providers across the United States. That rate is about the same as the share of adults in the U.S. with student loan debt, said Cristi Carman, program manager of the RAPID survey at Stanford University.

This story about public service loan forgiveness was produced by The Hechinger Report, a nonprofit, independent news organization focused on inequality and innovation in education. Sign up for the Hechinger newsletter.

The Nita M. Lowey 21st Century Community Learning Centers provide academic enrichment opportunities during non-school hours for children, particularly students who attend high-poverty and low-performing schools. The program helps students meet state and local student standards in core academic subjects, such as reading and math; offers students a broad array of enrichment activities that can complement their regular academic programs; and offers literacy and other educational services to the families of participating children.

In general, policies for handling bullying are developed at the local and state level, as are policies on discipline, school safety and most other issues. For information on these policies and what assistance may be available to you, please contact your child's school district or the state department of education. To determine if student bullying violates any anti-discrimination laws, which protects students against harassment based on race, color, national origin, sex, disability, and age, or to file a complaint of discrimination, contact our Office for Civil Rights. For more information you may visit

There are many "student loan relief" companies that for a fee offer to 'assist you prepare forms' to receive loan benefits or services like loan consolidation. These are services you can obtain yourself FOR FREE. These companies are not recognized, associated, nor sanctioned by the Department. So, they may assist their customers in dealing with the Department, but they do not work with or for, nor are part of the U.S. Department of Education. Please note there is only one federal loan consolidation program. Any federal student loan servicer will be able to help you apply for free. The government does not sanction debt relief firms, so it is not true when these businesses claim they have been approved by the government. Additionally, loan forgiveness is not available to everyone, and there are very specific requirements to obtain loan forgiveness. The Department does not charge you anything for applying or inquiring about forgiveness, consolidation, or repayment plans, but you must be eligible to receive them. Please be aware of companies that try to just offer you forgiveness without qualification and want to charge you for that. To determine your eligibility for any such program you may access your account or call 1-800-433-3243.

To apply for federal student aid, such as federal grants, work-study, and loans, you need to complete the Free Application for Federal Student Aid (FAFSA). Completing and submitting the FAFSA is free and easier than ever, and it gives you access to the largest source of financial aid to pay for college or career school.

To apply for federal grants or student loans to go to college, you will need to complete and submit the Free Application for Federal Student Aid (FAFSA). The U.S. Department of Education's student financial assistance programs include:

It is possible to have your student loan debt discharged (or canceled) or reduced, but only under certain specific circumstances, including death or permanent and total disability, school closure, working as a teacher in a low-income school or in a subject-shortage area, working in the public service sector, or in the case of Perkins Loans, working in certain other professions (law enforcement, nursing, etc.). To view charts of discharges by loan type as well as discharge applications, go to Forgiveness, Cancellation, and Discharge Charts. If you have a Federal Family Education Loan, contact the lender or agency that holds your loan. If you have a Federal Perkins Loan, contact the school that made you the loan. If you are unsure of what type of loan(s) you have outstanding, you can check your loan historyand find additional information on repaying your loans. 350c69d7ab


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