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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 must serve at least two years of service at an NHSC-approved site in a Health Professional Shortage Area (HPSA).
Compare our NHSC loan repayment programs — then choose the right one for you.
You have an opportunity to increase access to primary care services to communities in need.
You have a choice of service options:
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.
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.
Yes, you qualify if you are:
Yes. Find out about specific guidelines and requirements for military reservists.
Clinicians who provide patient care under the following disciplines and specialties are eligible to apply to the NHSC Loan Repayment Program.
We guide you through the application and award process:
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.
You must include:
The following provides an overview of the application requirements. Refer to the application and program guidance for our complete set of requirements and instructions.
Complete each of the sections below to submit your application.
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.
An application is incomplete without the following required supplemental documents:
You may need to submit additional supporting documents.
Submit these documents if we list them on the “Supporting Documents” page of the online application.
Print and keep a copy of your completed application package for your records.
You'll see a receipt of submission pop-up when you submit your online application.
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.
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.
Yes, you may withdraw your application from consideration any time before the Secretary of Health & Human Services (HHS), or their designee, signs the contract.
We review applications after the application deadline.
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:
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.
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.
Only the Secretary of HHS or their designee can make an NHSC LRP award.
You will receive final notification of an award, including your service obligation dates, no later than September 30.
Yes. If we do not select you for an award, we will email you no later than September 30.
Your service obligation begins on the date that the HHS Secretary (or the Secretary’s designee) countersigns your 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.