Consolidating federal student loan debt

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The LRP withholds the employee's portion of FICA taxes.

Applications are accepted year-round beginning October 1 through the Friday of the second full week of August and are evaluated monthly beginning in January, or as soon as funds become available.

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The IHS Loan Repayment Program (LRP) offers health professionals, including physical therapists, the opportunity to pay off qualified student loans to meet the staffing needs of Indian health programs.

It is important to understand that some incentives are only offered for certain positions, and it is at the discretion of each Veterans Health Administration facility whether to use these programs at all.

Income Based Repayment Unsubsidized Stafford Loans are eligible for income based repayment (IBR) through the Department of Education if they qualify through the federal government.

Any individual, including physical therapists or physical therapist assistants, working full-time in a government setting, a 501(c)(3) nonprofit, or a public health organization can take advantage of PSLF.

Forms for canceling the remaining debt are not yet available, since the program was developed in 2007, the soonest any borrower could obtain public service loan forgiveness is 2017.

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