Frequently Asked Questions

Loan Repayment Program FAQs

General

  1. Why am I ineligible?
  2. If selected, when can participants expect to receive their funds?
  3. Can an applicant apply to more than one program at a time?
  4. Are previous participant’s able to apply for other programs?
  5. Am I eligible to apply for the NCLRP this year even if my application was denied last year when I submitted for the NHSC LRP?
  6. What is considered to be a Disadvantaged Background?
  7. Proof of Payment History Requirements
  8. Employment Verification Forms: Helpful Tips
  9. Applicant unable to log into portal

Sites

  1. Where can I find NHSC job openings at approved sites?
  2. Does my site qualify?
  3. Can you verify my site and Health Professional Shortage Areas (HPSA) score?
  4. How can my site become an NHSC-approved site?
  5. Why is [a specific site] deactivated?
  6. When is the next NHSC Site Application cycle?

Loans

  1. What are qualifying loans?
  2. How do I enter my loans?
  3. How do I enter my federal loans information using the new Electronic Import process?
  4. What loan documents do I need for my application?
  5. How can I submit consolidated loans?
  6. Why is it telling me the dates are wrong with my consolidation loans?
  7. Are subsidized loans acceptable?

Answers

General

  1. Why am I ineligible?

    The mission of the National Health Service Corps is to provide primary care to medically underserved populations in the U.S.  As these needs change, it is possible that more clinicians may be added to the eligibility list. Currently, only fully-trained, licensed health professionals in the following disciplines are eligible to apply to the National Health Services Corps Loan Repayment Program.

    Primary health care clinicians: physicians (MD or DO), physician assistants, nurse practitioners, certified nurse-midwives
    Dental health care clinicians: general practice and pediatric dentists, registered dental hygienists
    Behavioral and mental health care clinicians:
    psychiatrists, health service psychologists, licensed clinical social workers, psychiatric nurse specialists, marriage and family therapists, licensed professional counselors.

    Find more Eligibility Requirements.

  2. If selected, when can participants expect to receive their funds?

    If selected for an award, you can expect to receive your NHSC Loan Repayment Program award fund disbursements in a one-time, lump sum payment, via electronic transfer approximately 90 days after your contract start date. Payments are made to the bank account of record, which you submitted online during the application process.

  3. Can an applicant apply to more than one program at a time?

    You may apply to more than one program at a time as long as you meet the eligibility requirements for each program. If you are a nurse practitioner, you may apply to both the NHSC Loan Repayment Program and the NURSE Corps Loan Repayment Program. Read the fact sheet Programs for Nurses: Compare (PDF – 133) to find out the similarities and differences between the two programs.

  4. Are previous participant’s able to apply for other programs?

    Previous participants can apply for other programs as long as they meet the eligibility requirements. For example, NHSC Scholars and Students to Service award recipients can apply for the Loan Repayment Program.

  5. Am I eligible to apply for the NCLRP this year even if my application was denied last year when I submitted for the NHSC LRP?

    You must meet the eligibility requirements to apply for both the NHSC and NURSE Corps loan repayment programs.

  6. What is considered to be a Disadvantaged Background?

    Disadvantaged Background – An individual from a disadvantaged background is defined as one who comes from a family with an annual income below a level based on low-income thresholds according to family size published by the U.S. Census Bureau, adjusted annually for the changes in the Consumer Price Index, and adjusted by the Secretary of the U.S. Department of Health and Human Services (Secretary) for use in all health professions programs. The Secretary periodically publishes these income levels in the Federal Register.

    To meet this low-income requirement you must demonstrate your disadvantaged status by submitting (1) a written statement from your former school(s) where you qualified for Federal disadvantaged assistance, (2) verification of receipt of loans from either the Health Professions Student Loans (HPSL) or Loans for Disadvantaged Student Program, or (3) verification of a scholarship from the U.S. Department of Health and Human Services under the Scholarship for Individuals with Exceptional Financial Need.

  7. Proof of Payment History Requirements

    Payment history requirements-

    Former NHSC Loan Repayment participants must provide verification that all funds received were used to repay the qualifying educational loans that were approved as part of the applicant’s most recent NHSC Loan Repayment Program contract. Generally, this information is in the form of a payment history that is provided by the lender servicer for each of the approved loans. The verification document must be uploaded to the application and clearly show that the entire award was applied to the approved loans during the most recent NHSC LRP service period.

    Documentation requirements include the following:
    a. It must be an official document or webpage and include the lender’s name, the account holder’s name, the loan account number, and must reflect all payments made during the contract period.
    b. The payment history must show that all NHSC LRP funds received have been paid toward his/her qualifying educational loans that were approved by the NHSC with the most recent contract.
    c. For loans consolidated during the most recent contract period, loan documents, including the lending institution’s list of the loans included in the consolidation and their original disbursement dates, are required. If the applicant’s loans were consolidated and the NHSC does not receive an itemized loan list, the applicant will not be given credit for payments made toward those loans. If the applicant consolidated his/her qualifying educational loans with non-qualifying debt, the NHSC cannot give credit for payments made toward the consolidated loans.
    d. Cancelled checks and bank statements will not be accepted as proof that loan payments were properly applied.

  8. Employment Verification Forms: Helpful Tips

    You must include all service locations in your application by selecting from the drop-down menu and initiating an electronic Employment Verification (EV) for each site. Once you select the NHSC-approved site(s) at which you are (or will be) working, you must initiate an electronic EV.  Once initiated, the designated points of contact at the NHSC-approved site will be notified electronically through the Customer Service Portal that an EV has been requested for your application.  Once completed by the site(s) point(s) of contact, you will be notified.  The site must complete the electronic EV before you are allowed to submit the application.  If an EV is not submitted by every site you identified, the application cannot be submitted.  It is an applicant’s responsibility to ensure that the EV is completed by the site administration.  The NHSC will make no exceptions.

  9. Applicant unable to log into portal

    If you are having problems logging into the Customer Service Portal, please call 1-800-221-9393 (TTY: 1-877-897-9910), Monday through Friday (except Federal holidays) 8 a.m. to 8 p.m. ET.  

Sites

  1. Where can I find NHSC job openings at approved sites?

    Before applying for an NHSC Loan Repayment Program award, you must be working at an NHSC-approved site or have an offer of employment that will begin by July 18, 2016.  See if your site is already approved and/or find job openings at the Health Workforce Connector.

  2. Does my site qualify?

    NHSC-approved sites are outpatient facilities providing primary care medical, dental, and/or mental and behavioral health services. Find a list of site types.

  3. Can you verify my site and Health Professional Shortage Areas (HPSA) score?

    You can verify a site’s HPSA score using the Health Workforce Connector.

  4. How can my site become an NHSC-approved site?

    If the site is located in a Federally-designated HPSA, it can submit an NHSC Site application to request approval as a service site. The next NHSC Site application cycle will open in Spring 2016. Find a list of eligibility requirements for NHSC-approved sites here.

    Interested sites can submit their application online via the NHSC Site Administrator/Customer Service Portal.

  5. Why is [a specific site] deactivated?

    Some NHSC sites are required to recertify every three years to maintain their eligibility in the program. (Federal sites and sites that receive funding from HRSA as a Federally Qualified Health Center are not required to recertify, as long as they continue to receive Federal funding and meet NHSC requirements.) If a site fails to recertify by a certain date, then that site is deactivated and must wait to reapply during the next open NHSC Site application cycle.

  6. When is the next NHSC Site Application cycle?

    The next NHSC Site application cycle will open in Spring 2017. Find more information on the NHSC Sites website.

 

Loans

  1. What are qualifying loans?

    Your loans must have been obtained to cover school tuition, other reasonable education and living expenses associated with the undergraduate or graduate education that led to your health professions degree. Only loans provided by Federal, State and local entities, as well as commercial institutions qualify. Education loans that have been paid in full, are in default, or were obtained for someone other than the applicant do not qualify. Personal lines of credit, credit card debt, and debt associated with relocation or residency programs, do not qualify for repayment. For a complete listing of loans that qualify for repayment under, see pages 7-8 of the 2017 Application and Program Guidance (PDF - 841 KB)

  2. How do I enter my loans?

    In the “Loan Information” section of the online application, you will be required to enter the following information for each qualifying loan you wish to submit for repayment:
     
      1. Name and contact information for the lender/holder.
      1. Loan account number.
      1. Original amount disbursed.
      2. Date of the loan.
      3. Current outstanding balance (no more than 30 days from the date of the NHSC application submission).
      4. Current interest rate.
      5. Type of loan. If a consolidated loan, additional questions will be asked:
        1. Original date of consolidation.
        2. Original balance of consolidation.
        3. Account number.
      6. Purpose of loan.

  3. How do I enter my federal loans information using the new Electronic Import process?

    The electronic Import process allows you to populate your Federal loan data directly from the National Student Loan Data System (NSLDS). You must first register and receive a Federal Student Aid ID (FSA ID). Register and receive your FSA ID at here.

    Only federal loans can be submitted using the electronic import process. Private/commercial loans must be entered manually.

  4. What loan documents do I need for my application?

    You are required to provide two types of documentation for each loan that is being submitted for consideration: (a) an account statement and (b) a disbursement report. See the “Required Supporting Documentation” section on pages 34-35 of the 2017 Application and Program Guidance (PDF - 841 KB)

  5. How can I submit consolidated loans?

    Consolidated loans may be considered for repayment as long as they only include qualifying educational loans. You will submit these loans by providing two types of documentation for each loan that is being submitted for consideration: (a) an account statement and (b) a disbursement report. See the “Required Supporting Documentation” section on pages 34-35 of the 2017 Application and Program Guidance (PDF - 841 KB)

  6. Why is it telling me the dates are wrong with my consolidation loans?

    If you get a message stating the dates of your consolidation are wrong, the dates should not be more than 3 months prior to your earliest school start date; or nor more than 3 months after your latest school end date.  If the loan is consolidated the “Original Date of Loan” must be prior to all “Original Date of Loan” for all consolidated loans.

  7. Are subsidized loans acceptable?

    Yes, subsidized loans are acceptable for NHSC Loan Repayment, federal student loans eligible for students that helps cover the cost of higher education at a four-year college or university, community college are acceptable.