State of Georgia Student Loan Forgiveness

Residence and full-time peace officer service must start on or after Jan 1, 2024, with valid POST certification. Payments begin only after completing 12 consecutive months.

You must submit Employer Verification & Lender Verification forms each year and maintain degree/enrollment status.

Payments begin only after completing 12 consecutive months (>275 days). Services across different agencies can qualify if the transition gap is ≤30 days.

For each qualifying year, the program repays up to $4,000—or the remaining balance—whichever is less. The total limit is $20,000 over five years.

The amortization logic tracks your balance year by year, showing how much debt is erased through the program.

A state-funded loan repayment program operated by GSFA. Eligible Georgia peace officers with a bachelor’s degree (or actively pursuing one in criminal justice) may receive up to $4,000/year for up to 5 years (max $20,000).

You must work full-time (or part-time totaling 40+ hrs/week across multiple departments) for 12 consecutive months in a POST-certified Georgia law enforcement agency.

Only loans in the applicant’s name, such as federal Direct, Stafford, Perkins, or GSFA-issued student loans. Parent PLUS and private loans are not eligible.

GSFA remits payments annually after verifying eligibility via submitted Employer & Lender Verification forms. You must re-submit both each year.

No federal tax applies, and Georgia currently does not collect state income tax on this form of service-based forgiveness.