Are there any grants to help pay off student loans?

Yes, there are grants available to help pay down student loans. These student loan awards are available through federal and state government-funded programs, as well as nonprofit organizations. The bulk of these possibilities involve service or work.

Are there any grants to help pay off student loans?

Yes! If you qualify for grant money, the government is happy to help you.

In this blog post, we will list all the grants available to help pay off student loans, and give you tips on how to apply. Read on!

A government loan allows anyone to attend college at any eligible institution that participates in the program. To be eligible for a Direct Loan from these programs, you need a high school diploma or equivalent (such as GED), and meet certain income eligibility requirements.

Most government loans are subsidized, meaning that the government pays the interest on the loan while you are in school. Fees for student loans generally range from 1.0% to 6.8%, depending on your loan type and credit score. You will be required to pay this interest until you begin making payments, which may be 15 years (for subsidized Stafford Loans), or 20 years (for unsubsidized Stafford Loans).

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6 grants to pay off your student Loans

The six grants listed below can help you pay down your student loans.

Professionals in health care

1. Loan Repayment Program for Contraception and Infertility Research

To encourage persons to work in reproductive research, the US Department of Health and Human Services gives a student loan payback incentive. Recipients of the Contraception and Infertility Research Repayment Program might receive up to $50,000 per year to assist with student debt repayment.

Awardees must commit to working on contraceptive and infertility issues for two years.

2. Loan Repayment Program of the National Institute of Mental Health

If you are a health care professional pursuing a career in behavioral, social, or clinical research with a nonprofit organization, you may be eligible for National Institute of Mental Health student loan repayment grants (NIMH).

The prize can be worth up to $50,000 per year and can be used to pay off PhD degrees.

Military soldiers and their surviving family members are eligible.

3. Service Grant for Iraq and Afghanistan

If you had a parent who served in the military and died as a result of their duty in either Iraq or Afghanistan during the events of 9/11, you may be eligible for up to $6,345 in student loan forgiveness.

To apply through the Federal Student Aid website, you must have been under the age of 24 or enrolled in college at least part-time at the time of your parent’s death.

Also, if you want to follow in your parents’ footsteps and join the military, contact your local branch of the armed services to learn about military loan forgiveness and payback schemes.

For attorneys

4. Loan Repayment Program for John R. Justice Students (JRJ)

You may be eligible for the John R. Justice (JRJ) Student Loan Repayment Program if you are a state public defender or prosecutor. This program allows you to earn $10,000 each year for up to six years to help pay down your student loans.

To be eligible for the award, you must commit to work for at least three years as a public defender or state prosecutor. 

5. New York State Young Farmers Loan Forgiveness Incentive Program for Farmers

Graduates in New York who wish to pursue a farming profession might get up to $10,000 per year for up to five years to pay off their debt. Individuals must hold a degree from a New York college or university and commit to manage a farm in New York for at least five years to be eligible.

To apply, you must do it within two years of graduating from high school. Federal and private student loans are also accepted.

For STEM and other disciplines of study

6. The North Dakota Career Builders scholarship and loan payback program

Cameron Battagler received a $30,000 student debt after he graduated from Valley City State University. He was able to pay off his debt two years ahead of schedule because to student loan payback grants.

“After I graduated, I was able to locate around $6,000 in grants that helped pay off my debt,” Battagler said. “The money is there, but it is frequently unused.”

Battagler qualified for the now-defunct North Dakota STEM Occupations Loan Forgiveness Program since he is a computer programmer, and he received $1,500 a year to pay down his loans. That money helped him cut months off his payback period, and he was able to save thousands of dollars in interest.

The STEM grant program has been superseded with the more widely available ND Career Builders scholarship and debt payback program. In reality, student loan debtors working in the state’s 80-plus “high-need and developing” professions may be eligible for aid.

Where can you discover additional grants for student loan repayment?

Grants to pay off student debts are available from a variety of sources. The federal government provides a variety of grant opportunities through several agencies, including the U.S. Department of Health and Human Services.

Your state may also provide student debt payback grants. In addition to federal initiatives, states provide scholarships and incentives to encourage graduates to live and work in sectors where there are manpower shortages, such as engineering or health care.

Some non-profits also provide subsidies to employees in certain professions. Depending on your profession, you may have a variety of choices for debt management.

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If you followed this article from the beginning and read carefully, you will see that the question “Are there any grants to help pay off student loans?” has been answered. There are many awards given by private individuals or organization that will help you pay off student loans.

All you need to do is reach out to this organization and apply for the Grant they provide and the repayment of your student loans will be made easier.

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Go get your students loan repaid !