Two-thirds of new PMHNPs are eligible for federal loan forgiveness. Most never apply. This Deep Dive walks through five 2026 programs that can stack to roughly $80,000 tax-free: the NHSC Loan Repayment Program (up to $50K in behavioral-health HPSAs), the NHSC SUD Workforce LRP (up to $80K over three years), the Indian Health Service LRP (up to $50K serving tribal communities), PSLF after the July 1, 2026 final rule, and the state-level programs Pew flagged as worth applying for first. You will come away knowing: - Which program pays the most for the least time commitment - How to check whether a site counts as a Mental Health HPSA (137M+ Americans live in one) - The 501(c)(3) employer rule PSLF kept intact in the new final rule - Where Hochul's New York mental-health expansion and NC's $20M Licensed Workforce LRP fit in Full breakdown with citati ...