Students to Service Program
If you are a student in your final year at an accredited U.S. allopathic and osteopathic medical school, are committed to primary care and have eligible student loans, you can apply to the NHSC Students to Service Program.
If selected, you can receive $120,000 in loan repayment for committing to serve at an approved NHSC site full time for at least 3 years (or half time for at least 6 years) following the completion of a primary care residency. If your eligible student loan balance is less than $120,000, you can receive funding to pay off those loans.
You will receive four payments, beginning the summer after your medical school graduation and continuing each summer for the first 3 years of your residency.
The loan repayment is not taxable. You may request additional loan repayment through the regular National Health Service Corps Program after completing your required 3 or 6 years of service.
Upon completion of residency, you must engage in 3 years of full-time or 6 years of half-time clinical practice at one or more NHSC-approved service sites located in a Health Professional Shortage Area (HPSA) of greatest need.
- Full-Time Clinical Practice. The NHSC will pay up to $120,000 for an initial 3 years of full-time clinical service defined as no less than 40 hours per week, for a minimum of 45 weeks a year.
- Half-Time Clinical Practice. The NHSC will pay up to $120,000 for an initial 6 years of half-time clinical service defined as no less than 20 hours per week (not to exceed 39 hours per week), for a minimum of 45 weeks per year.
To be eligible for the S2S LRP, you must be enrolled as a full-time student in the final year of medical school, be attending a fully accredited school in an eligible degree program, and be planning to complete an accredited primary medical care residency in an NHSC-approved specialty (internal medicine, family practice, pediatrics, obstetrics/gynecology, geriatrics and psychiatry).
If there are more qualified applicants than available funding, the NHSC will prioritize applications based upon:
- Disadvantaged Background. You must submit certification from a school where you:
- were identified as having a “disadvantaged background” based on environmental and/or economic factors or
- received a Federal Exceptional Financial Need Scholarship.
- Characteristics Likely to Remain in a Health Professional Shortage Area (HPSA). The NHSC will also give funding preference if you display characteristics that indicate a higher likelihood of continuing to serve in a HPSA once the service commitment is completed as outlined in your application essay and letters of recommendation.
“I thought [the Students to Service Loan Repayment Program] was a unique opportunity to become part of a structured program that ensures physicians can work in an underserved area early in their careers while obtaining loan repayment.” - Brian Freeman, Students to Service Awardee