In order to qualify, you must have earned a degree from a college in Maryland, or from any law school, or a resident teacher certificate from the Maryland State Department of Education (MSDE). You must be employed full-time (35+ hours per week) in state or local government or in a nonprofit organization in Maryland. Your employer must help low income, underserved residents or underserved areas in the state. You must have educational loans from a university, government, or commercial source that you used to pay college expenses. You may not be in default on a loan. Your annual gross salary cannot exceed $60,000. If married, your annual gross salary cannot exceed $60,000, and your combined salaries cannot exceed $130,000.