How to Get Student Loan Forgiveness in Utah

 May 28, 2020
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A state of natural wonders galore, Utah also boasts the lowest student loan debt in the nation. A study by the Institute for College Access and Success on the class of 2018 ranked Utah 50th in the nation for student debt, with Utah students graduating with an average of $19,728 in loans.

Compare that to the top states on the list such as Connecticut and Pennsylvania, whose students graduated with $38,669 and $37,061 in loans, respectively.

But just because they have relatively lower debt doesn’t mean Utah students couldn’t use some help. After all, 36% of Utah’s class of 2018 graduated with student loans. That means finding student loan forgiveness in Utah can still help a great many who qualify. And although most of the aid is earmarked for healthcare workers, there are other opportunities as well.

Let’s take a look at…

How to get student loan forgiveness in Utah

Unfortunately, there isn’t a plethora of student loan forgiveness programs for Utah residents. (At least directly from the state, that is.)

Still, there are federal student loan forgiveness programs that Utah borrowers might qualify for.

Below are details of six relief programs:

1. Rural Physician Loan Repayment Program (RPLRP)
2. National Health Service Corps Loan Repayment Program
3. Nurse Corps Loan Repayment Program
4. Perkins Loan Cancellation and Discharge
5. Public Service Loan Forgiveness (PSLF)
6. Teacher Loan Forgiveness and Cancellation

Rural Physician Loan Repayment Program (RPLRP)

If you’re a physician working in rural Utah (anywhere with a county population of less than 50,000), you might qualify for the Rural Physician Loan Repayment Program (RPLRP).

This program offers physicians up to $30,000 per year. Half of the amount comes from Utah’s Department of Health, and the other half from the hospital the physician works for. Physicians must sign up for a two-year contract, after which they can re-apply for additional years, one year at a time. Approval would depend on fund availability.

National Health Service Corps Loan Repayment Program

Licensed primary care providers for medical, dental or mental health and behavioral services can qualify for up to $50,000 for a two-year commitment to a high-need population. Those working part-time can get a payout of up to $25,000 for a two-year commitment.

That money, which is intended to go straight to your student loans, can be extended year by year if you’re approved.

The application for the National Health Service Corps Loan Repayment Program was open through May 21, 2020 and reopens annually.

Dr. Lakeisha Richardson is a board-certified OBGYN with more than 10 years in private practice. After three years of experience with the National Health Service Corps Loan Repayment Program, she had $70,000 of her $200,000 in student loans forgiven and planned to reapply for additional assistance.

However, she notes that there’s a lot of information you’ll need to pull together to apply, including documents from your medical school, so it can be time-consuming at first. In her words, “If you wait until close to the deadline, it can seem close to overwhelming.”

Her advice is to gather your paperwork now, including transcripts and student loan details such as your loan amounts and interest rates. That way you can be ready far ahead of the application deadline.

Nurse Corps Loan Repayment Program

Nurses don’t miss out when it comes to student loan repayment programs, otherwise known as LRAPs. They have their own help from the Nurse Corps Loan Repayment Program.

This program offers repayment for the equivalent of up to 85% of your student loans, in exchange for two years of service at a critical shortage facility or an accredited school of nursing. Nurses can continue their repayment help for a third year, for which they’ll get 25% of their remaining balance repaid.

Perkins Loan Cancellation and Discharge

Perkins loans have expired, but that doesn’t mean you can’t get help if you still have them. Perkins loans holders might be eligible for student loan forgiveness if they’re also in the Peace Corps or U.S. armed forces. The same is true of Perkins loan holders who are teachers, nurses or medical technicians, law enforcement or corrections officers, child or family services workers, Head Start workers, or professional providers of early intervention services.

For each year of work in these industries, a portion of the loans is forgiven. The percentage of forgiveness for Perkins loans varies based on the work you do. To apply for Perkins loan cancellation and discharge, you’ll need to contact your alma mater or your student loan servicer.

Public Service Loan Forgiveness (PSLF)

Although Public Service Loan Forgiveness is not without problems, this is still an option you can try for student loan forgiveness in Utah.

To qualify, you must work at least 30 hours per week for the government or a 501(c)(3) not-for-profit and make 120 qualifying payments. Qualifying means the payments have to be for a Direct Loan (which you can consolidate if you have other types of federal loans). They must also be made while you’re working with qualifying employment, paying the full amount due on your bill no more than 15 days late.

If you’ve already made the required qualifying number of payments, learn about how to apply for Public Service Loan Forgiveness.

Teacher Loan Forgiveness and Cancellation

Teachers throughout the nation get their own student loan repayment help through Teacher Loan Forgiveness.

Teachers can become eligible if they teach full-time for five consecutive years in schools that serve low-income families. In return, they can receive up to $5,000 in student loan forgiveness. Bump that number to $17,500 if you’re a math, science or special education teacher. Qualified teachers can apply here.

There’s also Teacher Cancellation for Perkins Loans, the details of which are explained above in the section on Perkins Loans.

Statute of limitations on debt in Utah

Even if you can’t get student loan forgiveness, Utah residents might find that their debt falls under the statute of limitations on debt.

Under the statute of limitations, debt collectors can no longer successfully sue you for loans in default after a certain period, when the obligation becomes “time-barred.”

In Utah, this period is six years for all written contracts, though the statute only applies to private student loans, not federal ones.

Keep searching for student loan help in Utah

Regardless of whether you can qualify for student loan forgiveness in Utah, it’s important to keep checking back each year for new programs.

Some borrowers can apply techniques that pay off debt in record time, but for most people, this process takes many years. In those years, new programs could come up anytime to benefit you that didn’t exist before.

Whether you’re worried about your next University of Utah loan payment or have private loans to repay, talk to your local lawmakers about proposals for new student loan assistance programs. You might also help to convince them to bring back existing but defunct programs — such as the Healthcare Workforce Financial Assistance Program, which didn’t receive funding in 2020.

It’s your right as a constituent to phone or write to Congress. You can find a listing of your Utah senators and representatives via You never know what kind of ideas you might be able to spur along.

Andrew Pentis contributed to this report.

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1 Important Disclosures for Splash Financial.

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Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors. Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Federal loans carry special benefits not available for loans made through Splash Financial, for example, public service loan forgiveness and economic hardship programs, fee waivers and rebates on the principal, which may not be accessible to you after you refinance. The rates displayed may include a 0.25% autopay discount

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Splash Financial and our lending partners reserve the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must be a U.S. citizen and meet our lending partner’s underwriting requirements. Lowest rates are reserved for the highest qualified borrowers. This information is current as of May 4, 2022.

2 Rate range above includes optional 0.25% Auto Pay discount. Important Disclosures for Earnest.

Earnest Disclosures

Student Loan Refinance Interest Rate Disclosure Actual rate and available repayment terms will vary based on your income. Fixed rates range from 2.99% APR to 8.24% APR (excludes 0.25% Auto Pay discount). Variable rates range from 1.99% APR to 8.24% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. The maximum rate for your loan is 8.95% if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95%. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX. Let us know if you have any questions and feel free to reach out directly to our team.

3 Important Disclosures for CommonBond.

CommonBond Disclosures

Offered terms are subject to change and state law restriction. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900), NMLS Consumer Access. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. ‍All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 0.15% effective Apr 22, 2021 and may increase after consummation.

4 Important Disclosures for SoFi.

SoFi Disclosures

Fixed rates range from 3.49% APR to 7.99% APR with a 0.25% autopay discount. Variable rates from 1.74% APR to 7.99% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

5 Important Disclosures for Laurel Road.

Laurel Road Disclosures

All credit products are subject to credit approval.

Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products and personal loans that help simplify lending through customized technology and personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. Member FDIC. For more information, visit

As used throughout these Terms & Conditions, the term “Lender” refers to KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest.

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  3. After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower’s economic hardship. During any period of forbearance interest will continue to accrue. At the end of the forbearance period, any unpaid accrued interest will be capitalized and be added to the remaining principle amount of the loan.
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Interest Rate: A simple annual rate that is applied to an unpaid balance.

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This information is current as of April 29, 2021. Information and rates are subject to change without notice.

6 Important Disclosures for Navient.

Navient Disclosures

You can choose between fixed and variable rates. Fixed interest rates are 2.99% – 8.24% APR (2.74% – 7.99% APR with Auto Pay discount). Starting variable interest rates are 1.99% APR to 8.24% APR (1.74% – 7.99% APR with Auto Pay discount). Variable rates are based on an index, the 30-day Average Secured Overnight Financing Rate (SOFR) plus a margin. Variable rates are reset monthly based on the fluctuation of the index. We do not currently offer variable rate loans in AK, CO, CT, HI, IL, KY, MA, MN, MS, NH, OH, OK, SC, TN, TX, and VA.

7 Important Disclosures for LendKey.

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Refinancing via is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it  endorse,  any educational institution.

Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of  5 years and is reserved for applicants with FICO scores of at least 810.

As of 11/15/2021 student loan refinancing rates range from 1.90% APR – 5.25% Variable APR with AutoPay and 2.49% APR – 7.75% Fixed APR with AutoPay.

8 Important Disclosures for PenFed.

PenFed Disclosures

Fixed Rate Loan Terms: 5 years/60 monthly payments, 8 years/96 monthly payments, 12 years/144 monthly payments or 15 years/180 monthly payments. Annual Percentage Rate is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Fixed rates range from 3.29% to 5.43% APR. Rates are subject to change without notice. Fixed APR: Fixed rates will not change during the term. This rate is expressed as an APR. Since there are no fees associated with this loan offer, the APR is the same percentage as the actual interest rate of the loan. These rates are subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.