Know Your Repayment Options
Federal support
Information about support for federal student loans can be found at studentaid.gov. Support programs include:
- Income-Driven Repayment (IDR)
Adjusts payments based on income. This can be especially helpful early in your career
- Public Service Loan Forgiveness (PSLF)
Forgiveness after 10 years in qualifying public or nonprofit roles.
California-Specific Support
- California Student Loan Ombudsman (DFPI)
- Free help resolving loan issues and disputes
- https://dfpi.ca.gov/consumers/student-loans/
- Additional resources:
Explore Profession-Specific Relief
- Architects Foundation Student Loan Relief Grant
Targeted support for architecture graduates
Consider Career Positioning
- Higher-paying sectors include:
- Healthcare
- Commercial/corporate work
- Large firms and tech-adjacent design
- Public sector roles can support loan forgiveness pathways
Refinancing (Use Caution)
- Can lower interest rates
- But may remove access to federal protections like IDR and PSLF
Licensure Matters
Becoming licensed earlier can:
- Increase earning potential
- Expand career opportunities
- Improve long-term financial stability
Resources for Licensure Expenses
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- Some employers assist with licensure expenses such as NCARB record fees, license examination fees, study materials, and exam preparation programs
- Scholarships that help with costs associated with becoming licensed are offered by CAF, the Architects Foundation, and NOMA.
