The NHSC Loan Repayment Program

The next Loan Repayment application is scheduled to open in January. Sign up to get an e-mail when it does.

The NHSC Loan Repayment program provides loan repayment assistance to licensed primary care medical, dental, and mental and behavioral health providers who serve in communities with limited access to health care. There are both full-time and half-time options for service commitment. The dollar amount of assistance and length of service depend on participation in either the full- or half-time and on the need on the Health Professional Shortage Area (HPSA) score of the site.

In order to apply for the loan repayment program, you must

  • be licensed to practice in an NHSC-eligible discipline,
  • have a job at an NHSC-approved site, and
  • have unpaid, qualifying educational loans
  • Read More about the Full-Time Loan Repayment Program

    Primary care providers working full-time at an NHSC-approved site with a HPSA score of 14 or above can receive up to $50,000 in loan repayment for committing to serve at site for at least two years.

    Primary care providers working full-time at an NHSC-approved site with a HPSA score of 13 or below can receive up to $30,000 in loan repayment for committing to serve at the site for at least two years.

    At the end of two years, Corps members can apply to continue their service and receive additional loan repayment. With continued service, providers may be able to pay off all their student loans!

    What is full-time practice for the NHSC LRP?

    Corps members are required to practice full time at their NHSC-approved sites, unless they are participating in the half-time program. Full-time clinical practice means working a minimum of 40 hours per week, for at least 45 weeks each service year. For most types of providers, at least 32 of the minimum 40 hours per week must be spent providing direct patient care or teaching in the outpatient ambulatory care setting at your site.

    Providers work no fewer than 4 days per week, and no more than 12 hours of work is to be performed in a 24-hour period. Up to 7 weeks (35 work days) of leave is allowed away from your site each year.

    For more information on what counts toward full-time clinical hours, view the “Service Requirements” section in the Application and Program Guidance (PDF – 386 KB).

  • Read More about the Half-Time Loan Repayment Program

    Primary care providers working half-time at an NHSC-approved site with a HPSA score of 14 or above can receive up to $25,000 in loan repayment for committing to serve for two years.

    Primary care providers working half-time at an NHSC-approved site with a HPSA score of 13 or below can receive up to $15,000 in loan repayment for committing to serve for two years.

    Once the initial service commitment ends, half-time Corps members can apply to continue their service and receive additional loan repayment support. With continued service, providers may be able to pay off all their student loans!

    Corps members who elect to participate in the half-time loan repayment program must complete their entire initial service commitment through half-time service. Once the initial service commitment is complete, half-time participants who apply for and receive a continuation contract to extend their service in the Corps will have an opportunity to change to full-time service.

    What is half-time practice for the NHSC LRP?

    Half-time clinical practice means working a minimum of 20 hours per week (not to exceed 39 hours per week), for at least 45 weeks each year. For most types of providers, at least 16 of the minimum 20 hours per week must be spent providing direct patient care or teaching in the outpatient ambulatory care setting at your site.

    Providers work no fewer than 2 work days per week, with no more than 12 hours of work to be performed in any 24-hour period. Up to 35 work days (140 work hours) of leave is allowed away from the service site each year.

    For more information on how half-time clinical hours are broken down, view the “Service Requirements” section in the Application and Program Guidance (PDF – 386 KB).

Learn more about the eligibility requirements and the application process.

How It Works

  1. Eligibility
    You Are a Dedicated Primary Care Provider

    Primary care provider holding medical documents image.

    • Licensed to practice in the state in which you will serve your commitment in an NHSC-eligible discipline
    • Looking for a fulfilling experience providing care in communities with a shortage of health professionals
    • With qualifying educational loans
  2. Service
    You Serve a Community in Need

    Smiling woman in blue sweater image.

    • Find a job at an NHSC-approved site
    • Apply to the NHSC Loan Repayment Program
    • Work at least two years at your site – with the option to continue your service and receive additional loan repayment
  3. Support
    You Receive Financial, Professional, and Personal Benefits

    Middle-aged couple embracing image.

    • Pay off all of your student loans with continued service
    • Access educational, training, and networking opportunities
    • Join a community of providers with a shared desire to serve patients with limited access to health care

NHSC-eligible discipline

  • Primary Care Physician (MD or DO)
  • Dentist (DDS or DMD)
  • Primary Care Certified Nurse Practitioner (NP)
  • Certified Nurse-Midwife (CNM)
  • Primary Care Physician Assistant (PA)
  • Registered Dental Hygienist (RDH)
  • Health Service Psychologist (HSP)
  • Licensed Clinical Social Worker (LCSW)
  • Psychiatric Nurse Specialist (PNS)
  • Marriage and Family Therapist (MFT)
  • Licensed Professional Counselor (LPC)