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Pay a little more than the minimum payment required each month and you'll be surprised at how fast the credit card balance decreases.

Call the credit card companies and cancel all of your credit cards except for the one that gives you the lowest interest rate. Don't use that credit card unless absolutely necessary.

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Nursing Loan Forgiveness for Healthier Futures

Nursing is a satisfying and rewarding career through which you will care for others while experiencing a challenging, diverse, and exciting work environment. The Pennsylvania Higher Education Assistance Agency (PHEAA) and the Pennsylvania Higher Education Foundation have together funded this program to help you pay for your nursing education and achieve success in the field of nursing.

According to the Pennsylvania Department of Health's Special Report on the Characteristics of the Registered Nurse Population in Pennsylvania (distributed in November of 2002):

  • Average age of RNs employed in health care is 45.9 years.
  • Almost one-third (32%) of RNs are between the ages 50-64.
  • As many as 47% of RNs plan to leave nursing within the next 10 years.

The "baby boomer" generation is getting older; coincidentally, the need of long-term care is increasing, and the cost of nursing education is on the riseŅall of which mean the nursing shortage Pennsylvania is facing will only worsen.



To help recruit and retain qualified nursing students in Pennsylvania, the "Nursing Loan Forgiveness for Healthier Futures" program will help you repay your student loans. By working for a participating Pennsylvania health care organization, after graduation from an approved nursing education program, you may receive student loan forgiveness for up to 25 percent (a maximum of $12,500) of your eligible debt over a three-year period.

Imagine... repaying your student loans just by doing your job and helping others.

At a minimum, participating employers will match our loan forgiveness contribution; however, employer-sponsored programs will have the added flexibility to increase their matching contribution to enhance their organization's nurse recruitment and retention efforts.

For more information go to
PHEAA - Nursing Loan Forgiveness for Healthier Futures
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