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NHSC Loan Repayment Program

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We’ve closed the FY2021 NHSC LRP application cycle. Sign up to be notified when the next one opens HRSA Exit Disclaimer.

Review the 2021 NHSC LRP Application and Program Guidance (APG) (PDF - 762 KB) for details on the program.

Licensed primary care clinicians in eligible disciplines can receive loan repayment assistance through the NHSC Loan Repayment Program (NHSC LRP).

In exchange for loan repayment, you serve at least two years of service at an NHSC-approved site in a Health Professional Shortage Area (HPSA).

Which loan repayment program fits me best?

Compare our NHSC loan repayment programs — then choose the right one for you.

Important Dates Determine Your Eligibility | Disciplines | Sites | How to Apply

Benefits of the NHSC LRP

  • 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 site.
    • Two year half-time clinical practice at an NHSC-approved site.
  • 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 service: Up to $50,000 for a two-year initial term

    Half-time service: Up to $25,000 for a two-year initial term

    Note: If you serve in a private practice, you aren't eligible to practice half-time.

  • Complete Repayment of Qualifying Loans

    Once you complete the initial two-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.

Important Dates

  • Application Launch Date: March 24, 2021
  • Application Submission Deadline: May 6, 2021
  • Employment Start Date: July 18, 2021
  • Scholars Service Obligation Date: July 31, 2021
  • Notification of Award: September 30, 2021
  • Contract Termination Deadline: 60 days from the effective date of the contract

Determine Your Eligibility

Do I qualify for the NHSC LRP?

Yes, you qualify if you are:

  • A United States citizen (U.S. born or naturalized) or United States national;
  • A provider (or eligible to participate as a provider) in the Medicare, Medicaid and the State Children’s Health Insurance Program, as appropriate;
  • Fully trained and licensed to practice in the NHSC-eligible primary care medical, dental or mental/behavioral health discipline and state in which you are applying to serve; and
  • A health professional in an eligible discipline with qualified student loan debt for education that led to your degree.
  • Working at an NHSC-approved site.

Are military reservists eligible?

Yes. Find out about specific guidelines and requirements for military reservists.

Which disciplines and specialties are eligible?

Clinicians who provide patient care under the following disciplines and specialties are eligible to apply to the NHSC Loan Repayment Program.

Primary Care Medical

Disciplines Specialties
  • Allopathic (MD)
  • Osteopathic (DO)
  • Family Medicine
  • General Internal Medicine
  • General Pediatrics
  • Obstetrics/Gynecology
  • Geriatrics
  • Physician Assistants (PA)
  • Nurse Practitioners (NP)
  • Adult
  • Family
  • Pediatric
  • Women's Health
  • Geriatrics
  • Certified Nurse-Midwives (CNM)

Dental Care

Disciplines Specialties
  • Doctor of Dental Surgery (DDS)
  • Doctor of Medicine in Dentistry (DMD)
  • General Dentistry
  • Pediatric Dentistry
  • Dental Hygienists

Behavioral & Mental Health

Disciplines Specialties
  • Allopathic (MD)
  • Osteopathic (DO)
  • Psychiatry (Child and Adolescent Psychiatrists are eligible)
  • Health Service Psychologists (HSP)
  • Licensed Clinical Social Workers (LCSW)
  • Psychiatric Nurse Specialists (PNS)
  • Marriage and Family Therapists (MFT)
  • Licensed Professional Counselors (LPC)
  • Nurse Practitioners (NP)
  • Physician Assistants (PA)
  • Mental Health & Psychiatry

How to Apply

We guide you through the application and award process:

Before You Apply

It takes three weeks to complete an application. That includes all required and supplemental documentation.

Provide answers in your application that match your supporting documents. If they don't, we will reject your application.

You must submit a legible, complete online application by the application deadline.

We will not:

  • Accept requests after the deadline to update a submitted application or to submit additional materials.
  • Fill in any missing information.
  • Contact you regarding missing information.

What makes an application complete?

You must include:

  • Online application;
  • Required supporting documents; and
  • Additional supplemental documentation (if applicable).

Application Requirements

The following provides an overview of the application requirements. Refer to the application and program guidance for our complete set of requirements and instructions.

Online Application Sections

Complete each of the sections below to submit your application.

  • Eligibility
    If you do not pass this initial screening portion of the application, you cannot continue with the application.
  • General Information
    Provide contact information such as your name, social security number, mailing and email addresses, as well as information about individual and family background.
  • Discipline, Training and Certification
    Provide information about your education, training, and licensure/certification.
  • Employment
    You will search for, and select the NHSC-approved site(s), where you currently provide or will provide patient care.
  • Employment Verification

    You must request an Employment Verification (EV) through the Bureau of Health Workforce (BHW) Customer Service Portal. We will notify the point(s)-of-contact at the NHSC-approved service site where you work (or plan to work), about your request.

    We'll notify you once the site(s) point(s) of contact completes it.

    The site(s) must complete the electronic EV before you can submit your application. It's your responsibility to ensure that the site point-of-contact completes the EV.

  • Loan Information

    Provide information on each qualifying educational loan for which you seek repayment.

    We'll review supporting documents, contact lenders/holders, and check your credit report.

    Each of the loans must have:

    • Name and contact information for the lender/holder.
    • Loan account number.
    • Original amount disbursed.
    • Original date of the loan.
    • Current outstanding balance (no more than 30 days from the date you submit your application).
    • Current interest rate.
    • Type of loan. If a consolidated loan, we need to know:
      • Original date of consolidation.
      • Original balance of consolidation.
      • Account number.
    • Purpose of loan.

Required Supporting Documentation

An application is incomplete without the following required supplemental documents:

  • Proof of status as a United States citizen or United States national

    Acceptable documents: birth certificate, current U.S. passport’s ID page, or a certificate of citizenship or naturalization.

    Unacceptable documents: driver’s license or Social Security card.

  • Loan Information Verification
    Provide two types of documentation for each loan you submit:
    • Account Statement
      Current information on your qualifying educational loans. This document should:
      • Be on official letterhead or other clear verification that it comes from the lender/holder;
      • Include the name of the borrower (i.e., the NHSC LRP applicant);
      • Contain the account number;
      • Include the date of the statement (cannot be more than 30 days from the date you submit your application);
      • Include the current outstanding balance (principal and interest) or the current payoff balance; and
      • Include the current interest rate.
    • Disbursement Report
      Verifies the originating loan information and should:
      • Be on official letterhead or other clear verification that it comes from the lender/holder;
      • Include the name of the borrower;
      • Contain the account number;
      • Include the type of loan;
      • Include the original loan date (must be prior to the date you submit your application);
      • Include the original loan amount; and
      • Include the purpose of the loan.

Additional Supplemental Documentation (if applicable)

You may need to submit additional supporting documents.

Submit these documents if we list them on the “Supporting Documents” page of the online application.

  • Specialty Certification
    If you select a specialty, you are required to upload a copy of the certificate of completion or diploma from the training program where you matriculated.
  • Postgraduate Training Verification. This document verifies that you completed the PCTE: Training Primary Care Champions (applies to physicians and physician assistants only) or AMF Program
    This documentation is in addition to the postgraduate training related to your practice area. Such documentation may include an official completion certificate.
  • THCGME Identification Number
    If you completed a postgraduate medical or dental training program funded by HRSA through the THCGME Payment Program, you are required to submit the residency identification number and residency completion certificate, if available. Use the Accreditation Council for Graduate Medical Education (ACGME) to look up your program identification number.
  • Verification of Disadvantaged Background
    A school official must complete the Verification of Disadvantaged Background (PDF – 407 KB).
  • Verification of Existing Service Obligation
    Verification from the entity for which you have an existing service obligation stating you will complete service there prior to the NHSC application deadline.
  • Payment History
    Verification that you used all NHSC LRP funds to repay the qualifying educational loans approved as part of your most recent NHSC LRP contract, if applicable.

Print and keep a copy of your completed application package for your records.

After You Apply

You'll see a receipt of submission pop-up when you submit your online application..

How can I view my application and its status?

Log into the Bureau of Health Workforce (BHW) Customer Service Portal to view your application status. You can also download a copy of your application, supporting documents, and completed EVs.

Can I make edits after I submit my application?

Once you submit the online application, you may make edits, upload new documents, etc. You must make all final edits and resubmit your final, complete application by the application deadline.

Can I withdraw my application?

Yes, you may withdraw your application from consideration any time before the Secretary of Health & Human Services (HHS), or their designee, signs the contract.

How do you evaluate me?

We review applications after the application deadline.

We use selection factors and funding priorities to evaluate you and determine who receives awards.

Notifying Award Finalists

If you become an award finalist, we will email you and ask that you log into the BHW Customer Service Portal. 

We will ask you to confirm: 

  • Your continued interest in receiving an award.
  • The validity of the loan and employment information you provided us in your application.
  • That you have read and understand the LRP contract. (We ask you to e-sign this if you receive, and accept, an award.)

We ask you to provide:

Your direct deposit banking information. We use this for award funds if you receive an award.

Note: You must respond by the deadline we provide in the Confirmation of Interest email.

What if I don’t respond in time?

If you do not complete the Confirmation of Interest process by the deadline, we may withdraw your application from consideration.

If you still wish to participate in the program, you will need to submit a new application. You will need to do this during a future NHSC LRP application cycle for first-time participants. You will compete with other providers based on that cycle’s program requirements.

Who makes award determinations?

Only the Secretary of HHS or their designee can make an NHSC LRP award.

When will you notify me of an award?

You will receive final notification of an award, including your service obligation dates, no later than September 30.

Will you notify me if you don't select me for an award?

Yes. If we do not select you for an award, we will email you no later than September 30.

NHSC LRP Contract & Service Obligation

When does my service obligation take effect?

Your service obligation begins on the date that the HHS Secretary (or the Secretary’s designee) countersign your contract.

Can I terminate my contract?

Review the APG and your contract. Both provide detailed information on the timeline and requirements for NHSC LRP contract termination.

If you terminate, you must repay all funds you receive under the contract.

Date Last Reviewed

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(TTY: 1-877-897-9910)
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Application & Program Guidance (APG)

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