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 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

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 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

Note: Communities marked in bold will become eligible for the B.C. Loan Forgiveness Program as of August 1, 2021.

100 Mile House Dawson Creek Kingcome (Dzawada'enuxw First Nation) Port Clements Stewart
Ahousat / Hesquiaht First Nation Dease Lake Kitkatla / Gitxaala Nation Port McNeill Tachet
Alert Bay / Namgis First Nation Doig River Kitimat Port Renfrew / Pacheedaht First Nation Tachie
Alexandria / Alexandria Indian Band / ?Esdilagh Edgewood Kitsault Port Simpson Tahsis
Alexis Creek / Tl'etinqox-T'in Government / Yeneskit'in Government Elkford Kitwanga (Gitwangak Band) / Gitanyow / Gitsegulka Powell River Takla Landing / Takla Lake First Nation
Anahim Lake / Ulkatcho First Nation Fernie Klemtu / Kitasoo Band Port Hardy / Gwa'sala-Nakwazda'xw / Kwakiutl First Nation (Kwakwaka'wakw) / Tlatlasikwala First Nation Tatla Lake / Alexis Creek First Nation (Tsi Del Del)
Ashcroft / Cache Creek / Ashcroft Indian Band / Bonaparte Indian Band / Oregon Jack Creek Indian Band Fort Babine Kootenay Bay / Riondel Prince George / Lheidli Tènneh Nation Tatlayoko Lake
Atlin / Taku River Tlingit First Nation Fort Nelson / Fort Nelson First Nation Kyuquot Prince Rupert Telegraph Creek / Tahltan Band
Balfour / Procter Fort St. James / Binche Lasqueti Island Princeton Terrace / Kitselas First Nation / Kitsumkalum Band
Bamfield Fort St John / Taylor Lillooet / Bridge River / Cayoose Creek Indian Band (Sekw'el'was) / Lillooet Indian Band (T'it'q'et) / Xaxli'p First Nation / Xwisten Prophet River First Nation Texada Island
Barriere / Simpcw First Nation / Whispering Pines Indian Band (Clinton Indian Band) Fort Ware Lower Post / Daylu Dena Council (Kaska Dena Council) Quatsino Tipella
Bella Bella / Waglisla / Heiltsuk Fraser Lake Lytton / Lytton First Nation / Kanaka Bar (T'eqt''aqtn'mux) / Nicomen Indian Band / Siska Indian Band / Skuppah Indian Band Queen Charlotte / Skidegate Band Tofino / Tla-O-Qui-Aht First Nations
Bella Coola / Nuxalk Nation Galiano Island MacKenzie Quesnel Trail / Rossland / Fruitvale
Big White Gilford Island / Kwikwasut’inuxw Haxwa’mis Masset / Old Masset Village Council Redstone Reserve Tsay Keh Dene
Blueberry River Gold Bridge / Bralome Mayne Island Revelstoke Ts’il Kaz Koh (Burns Lake Band)
Blue River Gold River / Mowachaht-Muchalaht First Nation McBride Riske Creek / Toosey Band Tumbler Ridge
Boston Bar / Boston Bar First Nation Golden Granisle McLeod Lake Indian Band Rivers Inlet / Oweekeno (Wuikinuxv First Nation) Ucluelet / Toquaht Nation / Ucluetlet First Nation (Yuułuʔiłʔatḥ)
Bridge Lake / Grasmere / Tobacco Plains Band Merritt / Coldwater Indian Band / Lower Nicola Indian Band / Upper Nicola Band Saik’uz Valemount
Burns Lake / Francois Lake Grassy Plains Metlakatla Salmo Vanderhoof
Canal Flats Greenville / Nisga'a Village of Laxgalt'sap Miocene Samahquam Wardner
Canim Lake / Canim Lake Band Greenwood / Midway / Rock Creek Middle River Saturna Island Wasa
Canoe Creek Band / Dog Creek / Esk'etemc First Nation Halfway River Moricetown Savary Island Wet’suwet’en (Broman Lake)
Castlegar Hartley Bay Mount Currie Sayward Williams Lake / Soda Creek Indian Band (Xatsull First Nation)
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) Nadleh Seton Portage / Seton Lake / N'Quatqua First Nation / Tsal'alh Winlaw
Cheslatta Holberg Nakusp Sirdar Woss
Chetwynd / Saulteau / Saulteau First Nations Hornby Island Nee Tahi Buhn Skatin Woyenne (Lake Babine)
Christina Lake / Grand Forks Hotsprings Cove Nelson Skin Tyee Yekooche
Clearwater Houston Nemaiah Valley / Xeni Gwet'in First Nation Government Slocan Park Zeballos / Ehattesaht First Nation / Nuchatlaht Indian Band
Clinton / Highbar First Nations Hudson's Hope / West Moberly First Nations New Aiyansh / Nisga'a Village of Gitwinksihlkw Smithers
Cortes Island / Klahoose First Nation Invermere / Windermere / ?Akisq'nuk (Akisqnuk) / Shuswap Band New Denver Sointula
Cranbrook / ?aq'am (St. Mary's) Kaslo Ocean Falls Sparwood
Crescent Valley Kimberley Pavillion / Ts'kw'aylaxw First Nation Spences Bridge / Cook's Ferry Indian Band
Creston / Lower Kootenay Band Kincolith / Nisga'a Village of Gingolx Pender Island Stellat’en
Port Alice

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);
    • 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.

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 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 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.