Occupational Therapy Loan Forgiveness Guide

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What is Student Loan Forgiveness?

Depending on the occupational therapy program you attend, you may have a small or large loan obligation. Under some circumstances, your student loan may be forgiven of it’s financial responsibility in exchange for service and/or work with an organization or company.

Student loan forgiveness is a release from having to repay federal student loans, in full or in part, that have been borrowed to pay for a post-secondary education.

Occupational Therapy Loan Forgiveness

Are there options for student loan forgiveness for occupational therapy students?

Yes, there are several options to choose from, depending on your interest and situation, but you have to meet specific criteria to be eligible.

Will all loans qualify?

Oftentimes, only federal direct loans qualify for loan forgiveness—you usually can’t get it for private loans.

Primary Methods of OT Loan Forgiveness

  1. Service or work in a public sector, e.g. government agency.
  2. Making payments through an income-contingent payment plan for a period of time.

Loan Discharge?

Federal education loans may be eligible for discharge under certain circumstances:

  • Permanent disability or death of the borrower
  • Closure of the school during the time of study
  • Falsification of the loan qualifications by the school
  • Use of identity theft on someone else’s part to secure the loan
  • Failure of the school to refund required loans to the lender

Loan Opportunities

Public Service Loan Forgiveness (PSLF)

For OTs who are employed by a U.S. federal, state, local, or tribal government or not-for-profit organization.


  • Employed by a U.S. federal, state, local, or tribal government or not-for-profit organization
  • Work full-time for that agency or organization
  • Is a direct Loan
  • Loan is repaid under an income-driven repayment plan
  • Make 120 qualifying payments.

Volunteer Programs and Military

  • Americorps
  • Peace Corps
  • Air Force
  • Army
  • Navy

Other Options

  • Refinance