B.C. loan forgiveness program
Recent graduates in select in-demand occupations can have their B.C. student loans forgiven by agreeing to work at publicly funded health care facilities in underserved communities in B.C., or working with children in occupations where there is an identified shortage in B.C.
What is available?
If you qualify for the B.C. Loan Forgiveness Program, the Province of British Columbia will forgive the outstanding B.C. portion of your Canada-B.C. integrated student loan debt at a rate of up to a maximum of 20% per year for up to five years.
If you complete five years of employment, all or a percentage of your B.C. student loan debt will be forgiven. While you are in the loan forgiveness program, the Province will also pay any outstanding interest that accumulates during each year you are registered in the program.
Am I eligible?
You may be eligible if you:
- are in repayment of an outstanding B.C. student loan (not restricted in default, delinquent or impacted by bankruptcy)
- have graduated from a designated post-secondary educational institution
- will be working at a publicly funded health care facility in an underserved community in B.C. or will be working with children, in an eligible occupation
- are not enrolled in full-time post-secondary studies
- To receive benefits under this program you will be required to demonstrate a minimum number of in-person hours of service in an eligible occupation at a publically funded facility either in an underserved community or working with children (see the What are my responsibilities under this program Section).
Eligible occupations in underserved communities are:
- Nursing (including licensed practical nursing, nurse practitioners, registered psychiatric nurses and registered nurses)
- Physician, including residents
- Medical laboratory technologist
- Diagnostic medical sonographer
- Speech language pathologist
- Occupational therapist
- Respiratory Therapist
Eligible occupations working with children throughout B.C. are:
- Speech language pathologist
- Occupational therapist
- School psychologist
- Technology educator
- Teacher of the deaf/hard of hearing or the visually impaired
|Eligible Underserved Communities – valid until August 1, 2018|
|100 Mile House||Dawson Creek||Kingcome||Port McNeill||Stewart|
|Ahousat||Dease Lake||Kitkatla||Port Renfrew||Tachet|
|Alert Bay||Dog Creek||Kitimat||Port Simpson||Tahsis|
|Alexis Creek||Doig River||Kitsault||Powell River||Takla Landing|
|Anahim Lake||Edgewood||Kitwanga||Port Hardy||Tatla Lake|
|Ashcroft / Cache Creek||Elkford||Klemtu||Prince George||Tatlayoko Lake|
|Atlin||Fernie||Kootenay Bay / Riondel||Prince Rupert||Telegraph Creek|
|Barriere||Fort St. James||Lower Post||Queen Charlotte||Texada Island|
|Bella Bella / Waglisla||Fort St John / Taylor||Lytton||Quesnel||Tofino|
|Bella Coola||Fort Ware||MacKenzie||Redstone Reserve||Trail / Rossland / Fruitvale|
|Big White||Fraser Lake||Masset||Revelstoke||Tsay Keh Dene|
|Blueberry River||Galiano Island||Mayne Island||Rivers Inlet||Ts’il Kaz Koh (Burns Lake Band)|
|Blue River||Gold Bridge / Bralome||McBride||Saik’uz||Tumbler Ridge|
|Bridge Lake||Gold River||Merritt||Salmo||Ucluelet|
|Canal Flats||Granisle||Moricetown||Saturna Island||Vanderhoof|
|Canoe Creek||Greenwood / Midway / Rock Creek||Mount Currie||Saulteau||Wardner|
|Castlegar||Halfway River||Nadleh||Savary Island||Wasa|
|Chase / Scotch Creek||Hartley Bay||Nakusp||Sayward||Wet’suwet’en (Broman Lake)|
|Cheslatta||Hazelton||Nee Tahi Buhn||Seton Portage||Williams Lake|
|Christina Lake / Grand Forks||Hornby Island||Nemaiah Valley||Skatin||Woss|
|Clearwater||Hotsprings Cove||New Aiyansh||Skin Tyee||Woyenne (Lake Babine)|
|Clinton||Houston||New Denver||Slocan Park||Yekooche|
|Cortes Island||Hudson’s Hope||Ocean Falls||Smithers||Zeballos|
|Cranbrook||Invermere / Windermere||Pender Island||Sointula|
|Crescent Valley||Kaslo||Port Alice||Sparwood|
|Creston||Kimberley||Port Clements||Spences Bridge|
Note: The Eligible Communities List will be updated August 1st, 2018 and will consist of the following communities:
|Eligible Underserved Communities – valid starting August 1, 2018|
|100 Mile House||Dawson Creek||Kingcome (Dzawada'enuxw First Nation)||Port Alice||Skin Tyee|
|Ahousat / Hesquiaht First Nation||Dease Lake||Kitkatla / Gitxaala Nation||Port Clements||Slocan Park|
|Alert Bay / Namgis First Nation||Doig River||Kitimat||Port NcNeill||Smithers|
|Alexandria / Alexandria Indian Band / ?Esdilagh||Edgewood||Kitsault||Port Renfrew / Pacheedaht First Nation||Sointula|
|Alexis Creek / Tl'etinqox-T'in Government / Yeneskit'in Government||Elkford||Kitwanga (Gitwangak Band) / Gitanyow / Gitsegulka||Port Simpson||Sparwood|
|Anahim Lake / Ulkatcho First Nation||Fernie||Klemtu / Kitasoo Band||Powell River||Spences Bridge / Cook's Ferry Indian Band|
|Ashcroft / Cache Creek / Ashcroft Indian Band / Bonaparte Indian Band / Oregon Jack Creek Indian Band||Fort Babine||Kootenay Bay / Riondel||Port Hardy / Gwa'sala-Nakwazda'xw / Kwakiutl First Nation (Kwakwaka'wakw) / Tlatlasikwala First Nation||Stellat’en|
|Atlin / Taku River Tlingit First Nation||Fort Nelson / Fort Nelson First Nation||Kyuquot||Prince George / Lheidli Tènneh Nation||Stewart|
|Balfour||Fort St. James||Lillooet / Cayoose Creek Indian Band (Sekw'el'was) / Lillooet Indian Band (T'it'q'et) / Xaxli'p First Nation||Prince Rupert||Tachet|
|Bamfield||Fort St John / Taylor||Lower Post / Daylu Dena Council (Kaska Dena Council)||Princeton||Tahsis|
|Barriere / Simpcw First Nation / Whispering Pines Indian Band (Clinton Indian Band)||Fort Ware||Lytton / Lytton First Nation / Kanaka Bar (T'eqt''aqtn'mux) / Nicomen Indian Band / Siska Indian Band / Skuppah Indian Band||Prophet River First Nation||Takla Landing / Takla Lake First Nation|
|Bella Bella / Waglisla / Heiltsuk||Fraser Lake||MacKenzie||Quatsino||Tatla Lake / Alexis Creek First Nation (Tsi Del Del)|
|Bella Coola / Nuxalk Nation||Galiano Island||Masset / Old Masset Village Council||Queen Charlotte / Skidegate Band||Tatlayoko Lake|
|Big White||Gold Bridge / Bralome||Mayne Island||Quesnel||Telegraph Creek / Tahltan Band|
|Blueberry River||Gold River / Mowachaht-Muchalaht First Nation||McBride||Redstone Reserve||Tipella|
|Blue River||Golden||McLeod Lake Indian Band||Terrace / Kitselas First Nation / Kitsumkalum Band|
|Boston Bar / Boston Bar First Nation||Granisle||Merritt / Coldwater Indian Band / Lower Nicola Indian Band / Upper Nicola Band||Revelstoke||Texada Island|
|Bridge Lake /||Grasmere / Tobacco Plains Band||Metlakatla||Riske Creek / Toosey Band||Tofino / Tla-O-Qui-Aht First Nations|
|Burns Lake / Francois Lake||Grassy Plains||Miocene||Rivers Inlet / Oweekeno (Wuikinuxv First Nation)||Trail / Rossland / Fruitvale|
|Canal Flats||Greenville / Nisga'a Village of Laxgalt'sap||Moricetown||Saik’uz||Tsay Keh Dene|
|Canim Lake / Canim Lake Band||Greenwood / Midway / Rock Creek||Mount Currie||Salmo||Ts’il Kaz Koh (Burns Lake Band)|
|Canoe Creek Band / Dog Creek / Esk'etemc First Nation||Halfway River||Nadleh||Samahquam||Tumbler Ridge|
|Castlegar||Hartley Bay||Nakusp||Saturna Island||Ucluelet / Toquaht Nation / Ucluetlet First Nation (Yuułuʔiłʔatḥ)|
|Chase / Scotch Creek / Adams Lake Indian Band / Little Shuswap Indian Band / Neskonlith Indian Band||Hazelton / Gitanmaax Band / Glen Vowell (Sik-e-Dakh) / Hagwilget Village (Tse-kya) / Kispiox Band (Anspayaxw)||Nee Tahi Buhn||Savary Island||Valemount|
|Chetwynd / Saulteau / Saulteau First Nations||Hornby Island||Nemaiah Valley / Xeni Gwet'in First Nation Government||Seton Portage / N'Quatqua First Nation||Wardner|
|Christina Lake / Grand Forks||Hotsprings Cove||New Aiyansh / Nisga'a Village of Gitwinksihlkw||Sirdar||Wasa|
|Clearwater||Houston||New Denver||Skatin||Wet’suwet’en (Broman Lake)|
|Clinton / Highbar First Nations||Hudson's Hope / West Moberly First Nations||Ocean Falls||Williams Lake / Soda Creek Indian Band (Xatsull First Nation)|
|Cortes Island / Klahoose First Nation||Invermere / Windermere / ?Akisq'nuk (Akisqnuk) / Shuswap Band||Pavillion / Ts'kw'aylaxw First Nation||Winlaw|
|Cranbrook / ?aq'am (St. Mary's)||Kaslo||Pender Island||Woss|
|Crescent Valley||Kimberley||Woyenne (Lake Babine)|
|Creston / Lower Kootenay Band||Kincolith / Nisga'a Village of Gingolx||Yekooche|
|Zeballos / Ehattesaht First Nation / Nuchatlaht Indian Band|
How do I apply?
- 1 Ensure you have an active StudentAid BC online account to receive all notifications and to submit documentation as required. Ensure you supply the same email address for all StudentAid BC program applications. If you are a new user of StudentAid BC, create an online account by registering for an account.
- 2 Read these instructions and conditions carefully.
- 3 Complete the B.C. Loan Forgiveness Program application, and confirm checklist is complete.
- 4 Submit your application form to StudentAid BC, along with an employment letter. Your employment letter must contain all of the following:
- must be on company letterhead;
- current date (this date must be within one month of the date your application was received at StudentAid BC);
- signed in ink;
- applicant’s name and job title;
- employment status (full-time/part-time/casual on-call);
- hired/start date;
- name of the publicly funded facility;
- name of the community; and
- whether working with children (for specific occupations).
- 5 Read, sign and date SECTION 2 – Declaration, and return the completed package to StudentAid BC via the document upload option on your StudentAid BC online account, or by mail or courier to the appropriate address listed below:
- 6 Read, sign and date SECTION 2 – Declaration, and return the completed package to StudentAid BC.
Please note an employment offer letter does not meet the requirements of an official employment letter.
Ministry of Advanced Education, Skills & Training
PO Box 9173
Stn Prov Govt
Victoria BC V8W 9H7
Ministry of Advanced Education, Skills & Training
1st fl, 835 Humboldt Street
Victoria, BC V8V 4W8
B.C. loan forgiveness application
PDF - 177.69 KB
What are my responsibilities?
Once you have been approved for the B.C. Loan Forgiveness Program, there are things you must do to maintain eligibility:
- One year after your program registration date (your one year anniversary date), you must submit via StudentAid BC online account, mail or courier a signed letter from your employer, health authority or contractor documenting your hours of in-person service in an eligible occupation at a publicly funded facility in British Columbia either in an eligible under served community or working with children. The letter must include the following:
- Letterhead and name of the facility where you are employed;
- Your name, occupation and community;
- Dated within 30 days of your 12 month anniversary date;
- Signature of your employer; and,
- The number of in-person service hours provided.
- Maintain your current mailing and email address information with StudentAid BC.
Note: If your verified in-person hours of service is less than 400 and greater than 99 hours, your benefits under the program for that year will be prorated as indicated below.
|Total Annual Hours of In-Person Service||Annual Percentage pf BC Student Loan Debt Forgiveness|
|0 to 99||0%|
|100 to 249||10%|
|250 to 399||15%|
Important: If you plan on applying for loan forgiveness, any payments you make prior to your approval for loan forgiveness benefits will not be used in the calculation for eligibility. Therefore, the balance at the date of registration onto the loan forgiveness program will be the balance used for the calculation of benefits.