Maryland Loan Forgiveness Program for Teachers

Find out if you qualify for loan forgiveness in Maryland

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The Janet L. Hoffman Maryland Loan Repayment Program (LARP) is available to Maryland residents who work in public service in the state. That includes people who work in local government, for nonprofit agencies, or provide services to low-income or underserved students and other residents.

This includes, but is not limited to, teachers. The Maryland loan forgiveness program for teachers erases up to $30,000 in student loans over a three-year period.

The actual amount varies depending on the amount of student loan debt a teacher is carrying and is subject to an income limitation. 

Qualifying for Maryland LARP Program

The LARP program in Maryland has expanded to include not just teachers but other professions. Here are the some of the most recent requirements to qualify (as of the 2017–2018 school year):

Have a degree from a college in Maryland, or from a law school, or hold a resident teacher certificate from the Maryland State Department of Education (MSDE).

Have to be employed full-time in either a nonprofit organization or a state or local government agency in Maryland.

Have education loans from a university, government, or commercial source that were used to pay college expenses, and in most instances, your annual salary can't be above $60,000. There are exceptions to that rule for some professions, such as nursing. 

The key to qualifying is that you must provide services to low-income or underserved residents of Maryland, and be a resident of Maryland.

Here are some of the professions that are eligible for this loan forgiveness program if you meet those criteria:

  • Lawyers 
  • Nurses
  • Licensed Clinical Counselors
  • Physical and Occupational Therapists
  • Social Workers 
  • Speech Pathologists

Teachers Who Qualify for Maryland's Loan Forgiveness

Teachers who teach in any school designated as Federal Title I or are one of the schools identified for improvement under the state department of education.

Also included are teachers who have the following areas of certification (secondary certification unless otherwise indicated):

  • Technology education 
  • Chemistry 
  • Computer science 
  • English for Speakers of other Languages-ESOL (elementary and secondary)
  • Health occupations 
  • Latin 
  • Mathematics 
  • Physics 
  • Earth/space science 
  • Physical science 
  • Dance (elementary and secondary)
  • Reading specialist (elementary and secondary)
  • Speech-language pathology
  • Spanish
  • Special education (various categories)

Other Teacher Loan Forgiveness in Maryland

Teachers who qualify for the Janet Hoffman LARP program may also be eligible for the Nancy Grasmick Teacher Award. This program offers loan repayment assistance for teachers who have taught in Maryland for two years and teach in science, technology, engineering, or math. They may also qualify if 75 percent of students in the school where they teach qualify for free meal programs. 

Only teachers who have the highest performance evaluations will qualify for this program. 

The Urban Teacher Center program is open to teachers in their second year of the program who have a Maryland Resident Teaching certificate. These applicants will have to qualify for the LARP program. 

Be sure to check the deadlines for submitting applications to the Maryland Department of Education website.