State of Maryland Forgiveness Programs

Janet L. Hoffman Loan Assistance Repayment Program

Who May Apply 

Maryland residents who provide public service in Maryland state or local government or non-profit agencies in Maryland to low income or underserved residents.

Programs Applicable to Notre Dame Students

  • Nurses (degree or diploma holding registered nurses; school nurses are not eligible)
  • Nurse faculty members
  • Teachers

Eligibility Requirements

  • Must have earned degree in MD or a resident teacher certificate from MSDE
  • Must be employed full time
  • Annual Salary must not exceed $60,000 if single or $130,000 if married (different for nurse faculty)
  • Cannot fulfill other service requirements at same time

Application ​Deadline

Applications are available in June and due September 30.

Total Debt Overall Award Limit Yearly Payment
$75,001 and Over $30,000 $10,000
$40,001-$75,000 $18,000 $6,000
$15,001-$40,000 $9,000 $3,000
$15,000 and Below $4,500* $1,500*

Learn More About Maryland Forgiveness Programs

Federal Forgiveness Programs

Nursing Education Loan Repayment Program

Registered nurses and advanced practice registered nurses, such as nurse practitioners, working in a Critical Shortage Facility can receive 60 percent of their total qualifying nursing education loan balance for 2 years of service.

Full-time nurse faculty working at accredited, public or private, non-profit schools of nursing are also eligible.

For an optional third year of service, participants may receive an additional 25 percent of their original total qualifying nursing education loan balance.

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Federal Teacher Loan Forgiveness Program

Eligibility Requirements

  • Cannot have outstanding balance on loans as of October 1, 1998
  • Have been employed for at least 5 consecutive years as a full-time teacher designated as low income
  • Cannot be in default
  • Cannot have received a benefit for the same teaching service through AmeriCorps
  • Have to have received the loan(s) before the end of your fifth year of teaching

Award Amount

  • $5,000 per year
  • $17,500 for certain specialties (Math or science in secondary school OR Special education teacher who taught in areas related to your training)

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10 Years Public Service Forgiveness


  • Targeted for those with high debt and low income
  • Must consolidate with Direct Loans
  • Includes any loans that were consolidated into Direct Loans (Stafford, Grad PLUS and Perkins)
  • Must do income contingent or income based repayment plan (standard repayment has no benefit)
  • After 120 payments are made, the remaining principle and interest are forgiven
  • Forgiven amount is not taxable

Eligibility Requirements

​Borrower must be employed full time in a public service job:

  • Military Service
  • Public Safety
  • Law Enforcement
  • Public Health
  • Public Education
  • Social Work 
  • Public Services for People with Disabilities
  • Public Interest Legal Services
  • Public Librarians
  • Employees of Tax Exempt Organizations

Learn More about Public Service Loan Forgiveness Program