Want to skip paying off your loan without getting into trouble? Believe it or not, there is a way to avoid paying off some or all of your student loans, if you are majoring in certain fields which have a high demand right now.

The most common student loan forgiveness programs are in health related fields, social work, or teaching related fields.

This is because there is critical need for employees in those fields, especially in low income or underserved areas such as rural communities. Therefore, the government provides incentives for many colleges to offer a loan forgiveness program.

In most cases, the student must agree to work in that field or in a particular area or specific school or hospital for a certain number of years to qualify.

These loan programs change frequently, so do your research.  As an example of one of these types of programs, the Teacher Loan Forgiveness Program currently offers a substantial discount to teachers who agree to teach full time at a qualifying low income school for up to five years.

Among the nursing student loan repayment programs are a program which repays up to  60 percent of their total qualifying nursing education loan balance, in exchange for two years of service at the following types of nonprofit health facilities: hospitals, rural clinics, nursing homes, skilled nursing facilities, hospice programs, and others.

There are also programs offered by many states to address the shortage in these critical care areas.

Engineering students and social workers are also eligible for student loan forgiveness in some cases. If you are interested in any of these careers, check with the financial aid officer at all of the colleges that you are considering applying to, to find out if you could be eligible for loan forgiveness in any or all of these cases, and if so, what you need to do to go about qualifying for it.

Watch this video For more Tips and Tricks on how you can pay off your Student Loans: