Loan Repayment Programs

The National Health Service Corps offers loan repayment assistance to support qualified health care providers who choose to take their skills where they’re most needed.

The NHSC Loan Repayment Program: This program is open to licensed primary care medical, dental, and mental and behavioral health providers who are employed or have accepted an offer of employment at an NHSC-approved site and will begin working by July 15, 2014. Awardees receive up to $50,000 in exchange for two-years of service if they practice in a Health Professional Shortage Area (HPSA) of 14 and above (Tier I). Awardees can also receive up to $30,000 in exchange for two-years of service if they practice in a HPSA of 13 and below. In FY2013, all of the NHSC’s loan repayment awards were made to providers located in a Tier 1 HPSA. There were a total of 4,505 awards made (2,106 new and 2,399 continuations) totaling $169.7 million.

The Students to Service Loan Repayment Program: This program accepts students in their final year of medical school and provides tuition and loan repayment assistance. In return, students commit to serve in Health Professional Shortage Areas (HPSAs) with the greatest need. This program is open to allopathic and osteopathic medical students in their final year at an accredited medical school. Awardees receive up to $120,000 in exchange for at least 3 years of service. In FY2014, 87 awards were made.

The State Loan Repayment Program: This program provides cost-sharing grants to more than 30 states to operate their own loan repayment programs for primary care providers working in HPSAs. The program is open to primary care providers deemed eligible in participating States. Providers apply to the individual State program, not to the NHSC. The number and amount of awards varies by state and by year. A minimum 2 year service commitment is required.

If you are the current recipient of an NHSC Scholarship or Loan Repayment Award and are looking for resources related to your program, please visit our Current Members Section.