"The financial credit crisis is squeezing student loan programs that offer breaks to borrowers who enter critical fields such as nursing and teaching," USA Today reports. "In at least six states this year, state-affiliated lenders have dropped or scaled back programs. Some repay or forgive part of a federal student loan for borrowers who take jobs in specific fields. Some reduce interest rates if students pursue certain subjects. The non-profit lenders, typically created by legislatures or governors, have launched incentive programs to aid tens of thousands of borrowers, says Justin Draeger of the National Association of Student Financial Aid Administrators. The lenders blame the financial climate and a reduced subsidy to lenders who participate in the federal loan program."