New York State offers to pay your federal loans


Once you graduate and complete the courses necessary to graduate from college, it is one of the most rewarding and best feelings of accomplishment and relief. But soon after, reality sets in, and so do the student loan bills. OUCH! There can be a serious shock to monthly payments and the mountain of debt you may be dealing with. But before you get overwhelmed, there are options.

According to Forbes:

President Biden has extended the payment break several times. Biden’s final extension is set to end on August 31.

While we wait to see what the federal government does with student loans over the next few weeks, there are grants and scholarships for those who need extra help paying off their loans. Especially if you live in New York State.

One of these loan forgiveness options is called the NYS Get ON Your Feet program.

The NYS Get on Your Feet Loan Forgiveness program provides up to 24 months of federal student loan debt relief to recent NYS college graduates who participate in an income-based federal repayment plan whose payments are generally capped at 10% of their discretionary income.

There are a variety of requirements for those who want to apply. But if you land that and get approved, that’s a huge help and it would make a big dent in that pile of loans.

-have a principal place of employment in NYS, if employed;
-have an adjusted gross income of less than $50,000;
– be current on all federal or NYS student loans;
– be current on any NYS scholarship reimbursement; and
-be in compliance with the terms of any condition of service imposed by an NYS award.

The biggest regret I have looking back on my college and graduate school years is that I didn’t apply for more scholarships and grants. There are INFINITE amounts of them and depending on your family situation, you could receive a lot of money. It’s worth applying for as many as you can and thanks to Google you can search for dozens.

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