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Student Loan Repayment Overview

Student Loan Repayment Overview

Federal agencies are permitted to repay federally insured student loans as a recruitment or retention incentive for candidates or current employees of the agency. Student loan repayment is considered a selective benefit and agencies do not provide to every employee.

Eligible Loans

Student loans are eligible if they are insured by the federal government under the Higher Education Act of 1965 or the Public Health Service Act. Private student loans are NOT eligible for repayment. Please see the List of Student Loans Eligible for Repayment to determine if your loan is eligible.


Maximum of $10,000 per calendar year and $60,000 per employee.

Service Requirements

Each employee receiving the student loan repayment benefit must remain employed with the paying agency for at least three years, or be required to repay the agency in full.

Source: Office of Personnel Management

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