Under state programs, some student debt can be forgiven, according to experts.

• Experts advise borrowers to investigate state-level relief options amidst the uncertainty surrounding federal student loan forgiveness programs.
• Betsy Mayotte, president of The Institute of Student Loan Advisors, a nonprofit, stated that most states have a program, particularly in the health care sector.

As the federal government's student debt forgiveness remains uncertain, experts advise borrowers to investigate the various state-level relief options.

Betsy Mayotte, president of The Institute of Student Loan Advisors, stated that most states have one especially in the health care sector.

59% of Americans incorrectly believe the U.S. is in a recession. The 401(k) rollover advice rule is being threatened. Both Trump and Harris are advocating for no taxes on tips.

The student loan forgiveness initiative for nonprofit and hospital nurses in Minnesota has gained traction recently, as Vice President Kamala Harris' running mate Tim Walz signed it into law last year. This program offers registered nurses who work at a nonprofit or public hospital in Minnesota up to $12,000 in student debt relief.

Different states have programs focusing on various fields.

"Mayotte stated that there are some generous oddball ones among teachers and public defenders."

What's happening with federal forgiveness programs

The federal government's capacity to absolve student debt is at risk.

The SAVE plan, which offers expedited loan forgiveness to certain borrowers, is being held up by a wave of legal challenges from Republicans. Biden's broader loan forgiveness initiative may be finalized this fall, but it is also likely to face legal challenges.

If former President Donald Trump is reelected in November, his history indicates that he opposes student loan forgiveness.

What are the state-level student loan forgiveness opportunities?

State forgiveness often based on occupation

Higher education expert Mark Kantrowitz stated that most state-level student debt forgiveness programs provide relief to borrowers in specific occupations.

Kantrowitz advised that they should seek forgiveness based on their job and state.

In California, mental health professionals who work at certain facilities may be eligible for up to $15,000 in student loan assistance. The next application deadline is Aug. 26.

Dentists in underserved areas of Maine can receive up to $100,000 in loan repayment assistance through the state's Dental Education Loan Repayment Program.

Mayotte highlighted that state loan forgiveness programs often include private student loans as a benefit, while the federal government does not include private loans in its relief program.

Some state programs grant forgiveness based on financial circumstances instead of profession.

The Get On Your Feet Loan Forgiveness Program, launched in 2015, offers loan forgiveness to eligible New York residents for up to 24 months of their payments. To qualify, borrowers must have an adjusted gross income of less than $50,000 per year.

By state, the Institute of Student Loan Advisors maintains a database of student loan forgiveness programs.