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Want To Pay Off Your Student Debt Faster? These States Will Help If You Buy a Home GOBankingRates 2 hrs ago © LightFieldStudios / iStock.com sold house with blurred family on background. Popular Searches New “SmartBuy” Programs Target New Homebuyers in Illinois and Maryland The “SmartBuy” programs are geared towards attracting educated workers with student debt who want to buy homes, but are afraid their existing bills may hold them back. The programs work differently based on which state you decide to settle down in.  In Illinois, the program is run by the Illinois Housing Development Authority, and helps those with student debt in two ways. First, the program offers qualified buyers $5,000 in assistance, which can be used towards the down payment or closing costs. Once buyers have found a house and go through the process, the program will make a student loan payment on the owner’s behalf equivalent to 15% of the home purchase price, up to $40,000. 

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