| Type of Service |
Defense Loans (made before 7/1/72) |
National Direct Loans (made 7/1/72-6/30/87) |
Perkins Loans (made after 6/30/87) |
Perkins or Direct Loans (made after 7/22/92) |
| TEACHER |
| Full-time teacher in math, science, foreign languages, bilingual education, or in other fields designated as teacher shortage areas |
None |
None |
None |
15% first and second years; 20% third and fourth years; 30% fifth year |
| Full-time teaching handicapped children |
15% per year up to 100% |
15% first and second years; 20% third and fourth years; 30% fifth year |
15% first and second years; 20% third and fourth years; 30% fifth year |
15% first and second years; 20% third and fourth years; 30% fifth year |
| Full-time teaching in special education |
None |
None |
None |
15% first and second years; 20% third and fourth years; 30% fifth year |
| Full-time teaching in low-income school |
15% per year up to 100% |
15% first and second years; 20% third and fourth years; 30% fifth year |
15% first and second years; 20% third and fourth years; 30% fifth year |
15% first and second years; 20% third and fourth years; 30% fifth year |
| Full-time teaching in elementary, secondary, or higher education schools |
10% per year up to 50% |
None |
None |
None |
| EMPLOYMENT |
| Nurses and Medical Technicians providing health care services |
None |
None |
None |
15% first and second years; 20% third and fourth years; 30% fifth year |
| Full-time employee of a public or non-profit child or family service agency providing services to high-risk childrenfrom low-income communities and their families |
None |
None |
None |
15% first and second years; 20% third and fourth years; 30% fifth year |
| Full-time qualified professional provider of early intervention services |
None |
None |
None |
15% first and second years; 20% third and fourth years; 30% fifth year |
| Service in U.S. Armed Forces in an area of hostility |
|
12.5% per year up to 50%; 4 year max |
12.5% per year up to 50%; 4 year max |
12.5% per year up to 50%; 4 year max |
| Full-time law enforcement (advances on or after 11/29/90) |
None |
None |
15% first and second years; 20% third and fourth years; 30% fifth year |
15% first and second years; 20% third and fourth years; 30% fifth year |
Full-time Peace Corps or VISTA volunteer |
None |
None |
15% first and second years; 20% third and fourth years |
15% first and second years; 20% third and fourth years |
| Total and permanent disability, death, or qualified bankruptcy |
100% |
100% |
100% |
100% |
