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Loan Forgiveness for Nurses and Nurse Practitioners

The Saskatchewan Student Loan Forgiveness for Nurses and Nurse Practitioners program encourages nurses and nurse practitioners to work in smaller communities.
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1. Benefits

Loan Forgiveness for Nurses and Nurse Practitioners is intended to encourage nurses and nurse practitioners to practice in under-served rural or remote communities by forgiving a portion of Saskatchewan Student Loans. 

The amount of eligible forgiveness you could receive is calculated annually and is paid as a reduction to your provincial student loan. Nurses and nurse practitioners will receive forgiveness of one-fifth (20%) of their outstanding Saskatchewan Student Loan debt, up to $4,000 annually, for up to five years, to a maximum of $20,000.

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2. Eligibility

To be eligible for Saskatchewan Student Loan Forgiveness, you need to have:
  • Started your current employment (full-time, part-time, or casual) as an eligible nurse or nurse practitioner in a designated rural or remote community on or after April 1, 2012;
  • Been employed for a full year (12 consecutive months) in a designated community. You also must be new to the profession or new to the community;
  • Provided in-person services for a minimum of 400 hours (or 50 days) in that community;
  • A valid licence to practice in Saskatchewan as a:
    • Registered Nurse (RN)
    • Registered Psychiatric Nurse (RPN)
    • Licensed Practical Nurse (LPN)
    • Nurse Practitioner (NP);
  • A Saskatchewan Student Loan in repayment (or in your grace period) and in good standing; and
  • Submitted an application form within 90 days of completing your year of service.
You must be working in a designated rural or remote community with a population of less than 10,000. The exceptions are Estevan and Weyburn, which are also designated communities for this program.

It is acceptable to work in multiple designated communities during the year as long as you complete a minimum of 400 hours (or 50 days) of in-person service over the 12-month period.

Saskatchewan Loan Forgiveness is not restricted to newly graduated nurses and nurse practitioners. However, in order to qualify you must have begun work in a designated rural or remote community on or after April 1, 2012. Your employer must also attest to this on your application.

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3. How to Apply

After you have completed 12 consecutive months, as outlined above, you have 90 days to apply for loan forgiveness. If the National Student Loan Service Centre does not receive your application within the 90 days, it will be rejected. 

After each year of service, you must re-apply for the benefit. A reminder letter will be sent to you each year, as long as records indicate you would be eligible. You must complete each year of loan forgiveness before you can re-apply for a subsequent year.

Application Deadline

Once you have completed a year of service in a designated community, you have 90 days to apply for loan forgiveness. For example, for an employment period of April 1, 2015 to March 31, 2016, you would have until June 30, 2016 to submit an application for that period.

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4. Apply

To apply, download the Saskatchewan Student Loan Forgiveness for Nurses and Nurse Practitioners Application. Forward the completed application by mail or fax to:

National Student Loans Service Centre
P.O. Box 4030
Mississauga, ON L5A 4M4 

Fax: 1-888-815-4657
Toll Free: 1-888-815-4514

Download Application

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5. Further Information

Your Responsibilities

During your year of service before you can apply, you must make regular monthly payments on your Saskatchewan Student Loan. Once your application for loan forgiveness has been approved, your Saskatchewan Student Loan balance will be reduced. Your monthly payments will also be reduced. You can opt out of this reduction when you apply. Applicants on the Repayment Assistance Plan may also be eligible for loan forgiveness.

Break in Service 

If you leave a designated community before your year of service is complete, you will not be eligible for loan forgiveness. You may change your designated community provided you re-establish employment within another designated community. You are permitted up to a 31 day break in service for relocation.

Sick, Compassionate, or Parental Leave

You may still be eligible if you must take a leave during your 12 months of service because of illness, childbirth, or to care for an ailing relative. If your leave is less than one month and you are able to complete 400 hours of in-person service, you remain eligible. If your leave is longer than one month and/or it prevents you from completing 400 hours of in-person service, you must provide documentation to show you received one or more of the following Employment Insurance benefits:

  • Maternity and Parental Benefits
  • Sickness Benefits
  • Compassionate Care Benefits

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