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 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 bankruptcy)
  • have graduated from an accredited post-secondary educational institution
  • are or will be employed (full-time, part-time, and/or casual/on-call) at a publicly funded facility in an eligible occupation either with children or in an underserved community in B.C.
  • 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 publicly-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
  • Midwifery
  • Medical laboratory technologist
  • Diagnostic medical sonographer
  • Speech language pathologist
  • Audiologist
  • Occupational therapist
  • Physiotherapist
  • Respiratory Therapist
  • Polysomnographer

Eligible occupations working with children throughout B.C. are:

  • Speech language pathologist
  • Occupational therapist
  • Audiologist
  • Physiotherapist
  • School psychologist
  • Technology educator
  • Teacher of the deaf/hard of hearing or the visually impaired

Eligible Underserved Communities
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 McNeill 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
Cheslatta Holberg Nelson Sayward Vanderhoof
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. 1 Ensure you have access to the StudentAid BC Dashboard to receive all notifications and to submit documentation as required. Make sure you supply the same email address for all StudentAid BC program applications. If you are a new applicant, you will need to set up your BC Services Card app to access the StudentAid BC Dashboard.
  2. 2 Read these instructions and conditions carefully.
  3. 3 Complete the B.C. Loan Forgiveness Program application, and confirm checklist is complete.
  4. 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);
    • employer's signature;
    • 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).

    Please note an employment offer letter does not meet the requirements of an official employment letter.

  5. 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 Dashboard.

Download Form

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 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 during the 12-month period prior to the anniversary date.
  • 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 of BC Student Loan Debt Forgiveness
0 to 99 0%
100 to 249 10%
250 to 399 15%
400+ 20%

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.

Were you in receipt of B.C. Loan Forgiveness Program benefits prior to April 1, 2015? Please call StudentAid BC at: 1-800-561-1818 with questions regarding eligibility criteria or responsibility to maintain eligibility.