top of page
  • Writer's pictureNathan Zarcaro

[2023] How to Get Student Loan Forgiveness in Missouri

Updated: Oct 12, 2023


Missouri is home to some of the United States' largest public and private colleges and universities. With over 25 four-year colleges, led by Washington University in St. Louis and The University of Missouri, the state is home to some 200,000 college students, many of whom suffer from tens of thousands of dollars in student debt.


Luckily, the state has established a few student loan forgiveness programs for Missouri residents, on top of the federal student loan forgiveness programs offered by the federal government.


This article will cover:


  1. Missouri student loan forgiveness programs

  2. Federal student loan forgiveness for Missouri residents

  3. Other student loan repayment strategies


And while getting student loan debt is no easy feat, it is worth the hassle. Here's a how to guide in getting student loan forgiveness in Missouri.



Missouri student loan forgiveness programs


At this time, the state has three main student loan forgiveness programs for certain residents to take advantage of. They are:


  1. Missouri Health Professional State Loan Repayment Program

  2. Health Professional Nursing Student Loan Program (NSL)

  3. PRIMO Student Loan Program


Let's take a minute to introduce these programs one by one.




1. Health Professional State Loan Repayment Program


The first of the three state programs, the MO Health Professional State LRAP, was designed by the state to increase access to healthcare services in low-income and underserved areas. The program is for healthcare professionals that work as the following types of providers:


  • Dieticians/Nutritionists

  • Dentists

  • Licensed professional counselors

  • Licensed social workers

  • Primary care dentists and physicians

  • RNs and APRNs


These types of providers may be eligible to receive between $5,000-$25,000 per year in loan forgiveness per year depending on type of services provided. Those eligible to receive the maximum $25,000 per year are physicians and dentists, as well as psychologists and psychiatrists.


To be eligible, Missouri providers will need to submit an application and meet the following other requirements:


  1. Serve in an area designated as rural, underserved, or a healthcare shortage area for a minimum of two years

  2. Work full-time and provider a positive recommendation from your employer

  3. Not be serving under any other service contract

  4. Must accept and treat Medicaid patients with a sliding fee schedule that is publicly posted

  5. Complete an annual report that proves they serve underserved populations


Additionally, primary care physicians and dentists must be willing and able to provide CHIP healthcare services (Children's Health Insurance Program) to children protected by Title XXI.


These requirements may seem like a lot, but if you are able to meet them, the financial rewards can be very lucrative.


Those with questions about the program can reach out to the state directly by email at DHSS.LoanRepayment@health.mo.gov or ORHPCinfo@health.mo.gov, or via phone at (573) 751-6441.




2. Health Professional Nursing State Loan Program (NSL)


Missouri's Health Professional Nursing State Loan Program (NSL) is a program specifically designed for training the following types of future nurses:


  1. Licensed Practical Nurses

  2. Registered Nurses

  3. Associate Degree in Nursing

  4. Bachelor of Science Degree in Nursing

  5. Master of Science Degree in Nursing

  6. Others


NSL is reserved for those that are MO residents and are attending accredited colleges and universities. Essentially a financial aid program while attending college, graduates who then go on to work in Health Professional Shortage Areas (HPSAs) become eligible to receive up $5,000 per calendar year in forgiveness.


Those pursuing an LPN are eligible for $2,500 per year.


More information on the program can be found through the Missouri Department of Health.



3. PRIMO Student Loan Program


The PRIMO Student Loan Program, short for Primary Care Resource Initiative for Missouri, is a program that helps provide funding for students training for healthcare licensure in the state of Missouri.


Open to aspiring physicians, dentists, dental hygienists, and psychiatrists, the PRIMO program provides loans between $3,000-$25,000 per academic year in assistance to pay for tuition and other fees. The actual amount depends on what field of study you have entered.


Once you graduate and become licensed, you'll be expected to complete a service obligation that will forgive these PRIMO loans. You'll be expected to complete one year of service per PRIMO loan that you accepted, up to a maximum of five years.


Your full-time service (at least 30 hours per week) will be completed in a certified health professional shortage area, similar to the programs offered by other states to help draw talented physicians to these underserved communities.


To be eligible for the PRIMO program, you'll need to meet the following requirements:


  1. Be a Missouri resident

  2. Be a full-time college student in a program that leads to a Bachelor of Science degree that leads to a Doctor of Dentistry, Allopathic, or Osteopathic Medicine, or a Doctor of Dentistry or program that leads to licensure as a dental hygienist


Other than that, you'll need to reapply for the program each year to continue to receive the service forgivable loans. Applying for the PRIMO program is not hard to do, and applications are accepted each year between January 1 and March 1.


Your MO PRIMO application will look something like this.


Missouri PRIMO student loan forgiveness application

It is about three pages in length, and once you've completed it, you can submit it via the following channels:


  1. Online: https://health.mo.gov/living/families/primarycare/primo/

  2. Email: DHSS.LoanRepayment@health.mo.gov

  3. Fax: (573) 522-8146

  4. Mail: Attn: PRIMO Program, Missouri Department of Health and Senior Services, Office of Rural Health & Primary Care, PO Box 570, Jefferson City, MO 65102-0570



Federal student loan forgiveness programs for Missouri residents


Just because Missouri's state-based student loan forgiveness programs are all geared towards healthcare workers does not mean that you are out of luck on a federal level. In fact, as far as your options go, you'll likely want to consider:


  • Income-Driven Repayment: Income-driven repayment is open to any federal student loan borrowers that qualify based on their income and family size, and require you to make 20-25 years of reduced payments in order to qualify for any forgiveness. You'll be expected to make monthly payments worth between 10-20% of your monthly discretionary income, which will be calculated by a formula put out by the federal government. Currently, the four income-driven repayment programs are Income-Based Repayment, Income Contingent Repayment, Pay as You Earn, and Revised Pay as You Earn. However, there is a new program, Saving on a Valuable Education, launching in the Summer of 2023 that will replace the REPAYE program. All other plans will also begin to be phased out.


  • Public Service Loan Forgiveness: PSLF is a plan reserved for those working for the government and qualifying not for profits. It requires 120 qualifying payments to be made before forgiveness can be granted, and also requires you to be on one of the four income-driven repayment plans that we just mentioned. Missourians will need to work for an eligible not-for-profit or government employer to take part in the program.


  • Teacher Loan Forgiveness: Teacher Loan Forgiveness (TLF), as its' name denotes, is reserved for teachers, and may lead to $5,000 or $17,500 in student loan forgiveness, depending on the subject that you teach. To qualify, Missouri teachers will need to be fully licensed, have completed at least 5 full and consecutive academic school years, and teach at a Title I school.


  • Perkins Loan Cancellation: Perkins Loan Cancellation is a program reserved for those that still have outstanding Perkins Loans, a former type of federal loans that have not been disbursed since 2017. Qualifying Missouri borrowers will need to work in a qualifying job role or have eligible volunteer experience in order to receive 100% Perkins Loan Cancellation over a period of five years.


  • National Health Service Corps LRAP: Some Missouri primary care clinicians may qualify to have up to $100,000 in their student loans forgiven through one of 3 NHSC programs if they successfully complete a 2 or 3 year service commitment, depending on the program.


Missouri residents may opt to use any of these programs, depending on what they qualify for. For more information, navigate to the program's respective webpages using the links above.



Is student loan forgiveness taxable in Missouri?


Unlike other states across the country, like North Carolina, Wisconsin, and Minnesota, to name a few, student loan forgiveness is not taxable at the state level in Missouri.


Some forgiveness, like that granted through the income-driven repayment programs, may be taxed at the federal level through treatment as taxable income, though this is not currently the case.


But as soon as 2026, this could change, if the tax-free status of IDR is not extended by Congress.



Student loan forgiveness tips


We see our job as having two unique parts. First, we strive to inform you about the various programs across Missouri and the nation that you may qualify to use. And secondly, we want to provide you with some tips and tricks that you won't find anywhere else. Our recommendations in Missouri are as follows:


  • Do not just apply to the first program that you qualify for: You'll want to do plenty of research before you decide on a program, if you qualify for any. The last thing you want to do is participate in a program that offers you $10,000 in forgiveness, when another program could have provided you with far more repayment assistance with a lesser service requirement.


  • Do not refinance your debt until you know that it is advantageous for you: Typically, only federal student debt qualifies for the majority of federal and state forgiveness programs, and once you've refinanced your debt with a private lender, there is no "undoing" it.



Download our student loan calculator


If you're unsure which of these programs, if any, may be right for you, we highly recommend that you download our free student loan calculator. This tool will help you to gauge your:


  1. Eligibility

  2. Monthly payments

  3. Outstanding balances

  4. Debt-free year


For the following forgiveness and repayment strategies:


  • Income-Based Repayment

  • Pay as You Earn

  • Revised Pay as You Earn

  • Federal Consolidation

  • Private Refinancing

  • PSLF

  • And more!


Pairing you to a more advantageous repayment strategy can save you thousands of dollars!



Student loan calculator


Don't forget that you can refinance


If, for whatever reason, forgiveness just isn't in the cards for you, remember that refinancing your student loans is always an option that is available to you.


Student loan refinancing to a lower interest rate can help you lower your monthly payments, get out of debt years earlier, or potentially both.


We've written guides about many of the most popular refinancing companies but find that LendKey and Splash Financial are oftentimes great places to start, since you can check your rates without impacting your credit score.



Affiliate marketing disclosure


studentdebtdestroyer.com is a student loan research and education website provided by Grow Your Green LLC.


studentdebtdestroyer.com is not a student loan lender.


We're passionate about teaching and guiding people to a better personal finance situation. To do this, we create an enormous amount of content, which takes time, resources, and money. ​


In order to write about and offer these products and services for you, we utilize affiliate marketing and link to certain products and services. If you click on, subscribe, to purchase on these links then we may be paid a small commission. These are at no cost to you, but by earning small commissions, are able to help us keep our website active.


We manually review all products and services that we think are of high quality and value to you.

コメント


About Nathan Zarcaro

Nathan Zarcaro is the founder of The Student Debt Destroyer and is passionate about personal finance related causes.  A 2018 graduate of Providence College's Liberal Arts Honors Program, Nathan studied Finance, and has worked for industry leaders in both finance and healthcare.  In his free time, Nathan enjoys playing golf and traveling with his wife Brigid.

Student loans are hard

My friends over at Student Loan Planner have consulted with over 13,000 clients, saving them over $783 million off their student loan repayments.

Check out our recent posts

bottom of page