B.C. loan forgiveness program


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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

Notes:

  • 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
  • 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 – 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 Dog 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
Balfour Fort Babine Kuyquot Princeton Tipella
Bamfield Fort Nelson Lillooet Quatsino Terrace
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
Burns Lake Golden Miocene Samahquam Valemount
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
Chetwynd Holberg Nelson Sirdar Winlaw
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
Kincolith Stellat’en

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 Kuyquot 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?

Instructions

  1. 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. 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);
    • 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. Please note an employment offer letter does not meet the requirements of an official employment letter.

  6. 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:
  7. Mailing Address:

    Ministry of Advanced Education, Skills & Training
    StudentAid BC
    PO Box 9173
    Stn Prov Govt
    Victoria BC V8W 9H7

    Courier Address:

    StudentAid BC
    Ministry of Advanced Education, Skills & Training
    1st fl, 835 Humboldt Street
    Victoria, BC V8V 4W8

  8. 6 Read, sign and date SECTION 2 – Declaration, and return the completed package to StudentAid BC.

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%
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.