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Discover the Benefits of Loan Repayment

The National Health Service Corps (NHSC) offers tax-free loan repayment assistance to support qualified clinicians who work at an NHSC-approved site in a designated Health Professional Shortage Area (HPSA).

Review Our Loan Repayment Programs

COMING THIS FALL!

NHSC Loan Repayment Program (LRP)

Expansion for Opioid and SUD Treatment

Application and Program Guidance (APG)

  • Clinicians who qualify for NHSC SUD expansion include:
    • Physicians;
    • Nurse practitioners;
    • Physician assistants who are eligible to administer MAT;
    • Behavioral Health Professionals; and,
    • Substance use disorder counselors.
  • Clinicians receiving NHSC SUD Expansion awards will receive $75,000 in loan repayment in exchange for 3 years of service.
 

NHSC Loan Repayment Program (NHSC LRP)

Licensed primary care clinicians in eligible disciplines may receive loan repayment assistance in exchange for serving at least two years of service at an NHSC-approved site in a designated HPSA.

Explore NHSC LRP Options

  • Service
    You have an opportunity to increase access to primary care services to communities in need.
  • Flexible Service Options
    You have a choice of service options:
    • Two year full-time clinical practice at an NHSC-approved service.
    • Two year half-time clinical practice at an NHSC-approved service.
  • Loan Repayment
    You will receive funds to repay your outstanding, qualifying, educational loans.
    • NHSC loan repayment funds are exempt from federal income and employment taxes.
    • Full-time: You will receive $50,000 for an initial two years of full-time clinical practice at an NHSC-approved service site with a HPSA score of 14 or higher.
      • If you work at an NHSC-approved service site with a HPSA score of 13 or lower, you are eligible to receive up to $30,000.
    • Half-time: You will receive up to $25,000 for an initial two years of half-time clinical practice at an NHSC-approved service site with a HPSA score of 14 or higher.
      • If you work at an NHSC-approved service site with a HPSA score of 13 or lower, you are eligible to receive up to $15,000.
      Note: If you serve in a private practice, you are not eligible to practice half-time.
  • Complete Repayment of Qualifying Loans
    After you complete your initial NHSC service commitment, you may be eligible to receive a one year continuation contract loan repayment beyond the initial contract, to pay off all qualifying educational loans.
    • There is no guarantee that you will receive a continuation contract.

Are you eligible for the NHSC LRP?

Students to Service Loan Repayment Program (S2S LRP)

Students in their last year of medical or dental school receive loan repayment assistance in return for at least three years of service at an NHSC-approved site in a designated HPSA.

Explore NHSC S2S LRP Options

  • Service
    By joining thousands of NHSC participants across the country, you have an opportunity to provide primary health services to communities in need.
  • Loan Repayemnt
    You will receive funds to repay your outstanding, qualifying, educational loans.
    • NHSC loan repayment funds are exempt from federal income and employment taxes.
    • You will receive up to $120,000 in loan repayment funds payable in four annual installments (up to $30,000 per year) as long as you meet program requirements.
    • In return, you agree to provide three years of full-time clinical practice at an NHSC-approved site in a HPSA.
      • Full-time clinical practice means at least 40 hours per week, for at least 45 weeks each service year.
  • Complete Repayment of Qualifying Loans
    Once you complete the initial three-year service contract, you may be eligible to apply for additional loan repayment funds to pay any remaining educational loans through one-year continuation service contracts.
    • There is no guarantee that you will receive a continuation contract.

Are you eligible for the S2S LRP?

State Loan Repayment Program (NHSC SLRP)

The NHSC SLRP differs from our other loan repayment programs. It provides cost-sharing grants to non-federal entities (NFEs) within states and territories to operate their own loan repayment programs. Clinicians can then apply to those NFEs for loan repayment.

These programs offer loan repayment to primary medical, mental/behavioral, and dental healthcare clinicians working in a HPSA.

Find out more:
How States Comply with Eligibility and Application Requirements
How to Manage the SLRP Grant
How Clinicians Meet Eligibility and Application Requirements
What Service Requirements Clinicians Must Meet

Contact Us

Call 1-800-221-9393
(TTY: 1-877-897-9910)
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(except federal holidays)
Email us
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NHSC Experience

Videos: Member Stories

Application & Program Guidance (APG)

Program Fact Sheets

NHSC LRP Fact Sheet
(PDF - 899 KB)
S2S LRP Fact Sheet
(PDF - 424 KB)