Student loans are a serious burden that are (unfortunately) a big part of millennial graduates’ lives. According to research by Market Watch, there are currently 40 million Americans who struggle with student debt. Thankfully, there are options that help you pay your loans back in a feasible way, but if you’re looking for a little bit of extra help and are open to relocating, you may want to consider these three states that are offering to help pay off a chunk of your debt.

US cities Niagara Falls and Detroit, as well as 77 counties in Kansas have all established programs over the past few years that will essentially pay off a hefty portion of your loan (depending on how much it is). Before you start singing that song about paying Sallie Mae back (no really, that’s a real song – listen here) you may want to look into the requirements of each city’s/state’s program to decide whether or not the offer is worth the move.

cities that repay your student loan

1. Kansas: The state of Kansas’ Rural Opportunity Zones (ROZ) include 77 counties that will pay up to $15,000 worth of your student loans. Basically, you’ll receive an annual check for 20 percent of your student loan balance (up to $3,000) for a total of five years. While there aren’t any income requirements, you must have an associate’s, bachelor’s or post-graduate degree, and you cannot have lived in Kansas for at least five years prior to signing up. You’ll also need to establish residency in a ROZ county before applying, which typically takes 12 months.

2. Niagara Falls, New York: If you’re cool with residing in the downtown district of Niagara Falls, you can apply for the #LiveNF program, which offers a student loan reimbursement of $3,500 per year for two years. If you’re a nature buff, this may sound like a dream come true. But be warned, Niagara Falls’ job market is currently less than ideal. So before you relocate, it’s definitely worth it to research what the city has to offer you professionally.

3. Detroit, Michigan: We’re going to be real with you. By heading to Niagara Falls or Kansas you’re more than likely committing to a quieter lifestyle – at least for a while. But if you’re looking for a financially-savvy move to a place that’s already showing some serious urban promise, you should head to Detroit. While the actual state of Detroit doesn’t offer a student loan repayment program, employees offered a job at big Detroit-based companies like Compuware, DTE Energy, Marketing Associates, Quicken Loans or Strategic Staffing Solutions can receive up to $20,000 to be used toward a purchase of their new primary residence. Find out all the deets here.

Would you consider moving to any of these places in exchange for help with student loan repayment? Share with us on Twitter @BritandCo.

(h/t Student Loan Hero, Photo via Getty)