Recent college grads in New York can now get some help paying off their loans with the state’s new student loan forgiveness program. There are quite a few boxes you have to check to be part of the program. You have to be a year or less out of school, with a degree from a New York institution. Resident of New York, with an in-state high school diploma. The loan has to use one of the federal government’s income-based repayment plans.