A federal and state by state compendium of federal, state, local, and private programs for loan forgiveness in education.

AmeriCorps. Serve for 12 months and receive up to $7400 in stipends plus $4725 to be used towards your loan. Call 1-800-942-2677.

Students who are in the Army National Guard may be eligible for their Student Loan Repayment Program, which offers up to $10,000.

Volunteers may apply for deferment of Stafford, Perkins and Consolidation loans and partial cancellation of Perkins Loans (15% for each year of service). Volunteers make a real difference in the lives of real people with two years of service in more than 70 developing countries. Contact the Peace Corps at 1111 20th St., NW, Washington, DC 20526 or call 1-800-424-8580 or 1-202-692-1845.

Volunteer with private, non-profit groups that help eradicate hunger, homelessness, poverty and illiteracy. Provide 1700 hours of service and receive $4725. Call 1-800-942-2677 or 1-202-606-5000.

Through these programs, the NIH offers to repay up to $35,000 annually of the qualified educational debt of health professionals pursuing careers in biomedical and behavioral research. The programs also provide coverage for federal and state tax liabilities. To qualify, applicants must possess a doctoral-level degree, devote 50 percent or more of their time (20 hours per week based upon a 40-hour work week) to research funded by a domestic non-profit organization or government entity (federal, state, or local), and have educational loan debt equal to or exceeding 20 percent of their institutional base salary. Applicants must also be U.S. citizens, permanent residents, or U.S. nationals to be eligible. December 1 deadline.