There’s something special about life in rural Kansas. Something authentic and wholesome making it an ideal place to live, work and raise a family. If you want a lower cost of living and better quality of life, the Rural Opportunity Zones program can help make this vision a reality.

Kansas has 77 counties designated as Rural Opportunity Zones (ROZ) authorized to offer the following incentives to qualified individuals: 1) a Kansas individual income tax waiver for up to five years; and 2) student loan repayments assistance up to $15,000 over a five-year period.

The Kansas Department of Commerce administers the student loan repayments program. To qualify, an individual must satisfactorily document:
  1. Establishment of full-time residency in a ROZ county on or after the date the county began participating in the program;
  2. Attainment of an associate’s, bachelor’s or post-graduate degree from an accredited educational institution; and
  3. An outstanding student loan balance.
PLEASE NOTE: Participation in the ROZ student loan repayments program is subject to:
  1. The individual’s qualification; and
  2. The availability of county funds or employer sponsorship monies to match State repayments
To view the ROZ Guidelines, please click here.
To view the ROZ Frequently Asked Questions, please click here.
To request more information from Commerce staff, please click here.
To apply for student loan repayment assistance, please click here.

For all other inquiries regarding the student loan repayments program, please contact Commerce staff:
The state income tax waiver program is administered by the Kansas Department of Revenue. Please click here to learn more or contact Kathleen Smith at (785) 296-3081 or