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NHSC Students to Service Loan Repayment Program

If you are a student in your last year of medical or dental school, you may be eligible to receive loan repayment assistance from the NHSC Students to Service Loan Repayment Program (S2S LRP).

In return, you provide at least three years of service at an NHSC-approved site in a designated Health Professional Shortage Area (HPSA).

Determine Your Eligibility | Disciplines | Sites | How to Apply

 

Apply Now

Apply now through December 20, 7:30 p.m. ET

Before you apply, carefully read the 2019 Application and Program Guidance (PDF - 604 KB). It has the detailed information you need to apply.


Webinars

NHSC Students to Service Loan Repayment Program Application Webinar Recording HRSA Exit Disclaimer (Nov. 27, 2018)

NHSC Students to Service Loan Repayment Program Online Q & A Sessions
December 13 & 18 | 9:00 AM – 5:00 PM ET
Join the online sessions HRSA Exit Disclaimer

Benefits of the S2S LRP

  • Service

    By joining thousands of NHSC participants across the country, you have an opportunity to provide primary health services to communities in need.

  • 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.
    • 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.

Determine Your Eligibility

Read and follow the NHSC Students to Service LRP Application and Program Guidance (PDF – 604 KB).

Eligibility Requirements for an NHSC S2S LRP award

You must be:

  • A United States (U.S) citizen or U.S. national.
  • Pursuing a Doctor of Medicine (M.D.), Doctor of Osteopathic Medicine (D.O.), Doctor of Dental Surgery (D.D.S.), or Doctor of Medicine in Dentistry (D.M.D.) degree in a state, the District of Columbia, or a U.S. territory at:
    • A school of allopathic medicine accredited by the Liaison Committee on Medical Education (sponsored by the American Medical Association and the Association of American Medical Colleges);
    • A school of osteopathic medicine accredited by the American Osteopathic Association Commission on Osteopathic College Accreditation; or
    • A school of dentistry accredited by the American Dental Association Commission on Dental Accreditation.
  • Enrolled as a full-time student in the last year of medical or dental school with a graduation date before July 1 of the application year.
    • Any unrequired or unrelated courses to the qualifying degree program will not count towards the hours required for full-time status.
  • Eligible for federal employment.
    You should expect to serve your commitment as a salaried, non-federal employee of a public or private entity approved by the NHSC.
    However, there may be vacancies that require federal employment, including a security clearance.

Note: There are additional, specific requirements for both medical students and dental students—you can find them in the NHSC S2S LRP Application and Program Guidance (PDF - 604 KB).

Are military reservists eligible?

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

Eligible Disciplines & Specialties

Following medical or dental school, you must plan to train and become licensed to provide patient care in one of the following disciplines and specialties:

Disciplines Specialties
Physicians
  • Allopathic (MD)
  • Osteopathic (DO)
  • Family Medicine
  • General Internal Medicine
  • General Pediatrics
  • Geriatrics
  • Obstetrics/Gynecology
  • Psychiatry (including Child and Adolescent Psychiatrists
Dentists
  • Doctor of Dental Surgery (DDS)
  • Doctor of Medicine in Dentistry (DMD)
  • General Dentistry
  • Pediatric Dentistry

How to Apply

We guide you through the application and award process:

Before You Apply

On average, it takes three weeks to complete an application, including all required and supplemental documentation.

Be sure that the answers you provide in your application match your supporting documents. If we find they do not, we will reject your application.

You must submit a legible, complete online application—including all supporting documents—by the application deadline.

We will not:

  • Accept requests to update a submitted application nor permit you to submit materials after the deadline.
  • Fill in any missing information nor contact you regarding missing information.

What is a complete application?

A complete application consists of:

  • 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 annually-updated NHSC S2S LRP Application and Program Guidance (PDF - 604 KB) for our complete set of requirements and instructions.

Online Application Sections

You must complete each of the following sections below to submit your application:

  • Eligibility Screening.
    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.
  • Education Information.

    Provide information related to the degree program you are currently pursuing.

    Include your curriculum vitae (CV)—five pages or less—that outlines relevant work/volunteer experience.

  • Loan Information.

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

    We will verify each by reviewing supporting documents, contacting lenders/holders, and checking 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, additional questions will be asked:
      • Original date of consolidation.
      • Original balance of consolidation.
      • Account number.
    • Purpose of loan.
  • Essay.
    Respond to the essay topic in 500 words or less, and upload it to the application.

Required Supplemental 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: permanent resident card, driver’s license, marriage certificate or Social Security card.

  • Authorization to Release Information
    Authorizes identified entities to disclose information about you. It must include the last four digits of your social security number, be dated and have your handwritten signature.
  • Resume/Curriculum Vitae (CV)
    Outline relevant work/volunteer experience and be fewer than five pages long.
  • Proof of Passage of Required Licensing Examinations

    Medical students must submit documentation verifying that they have passed Step/Level 1 of the USMLE or the COMLEX.

    Dental students must submit documentation verifying that they have passed Part I of the National Board Dental Examination.

  • Verification of Good Standing

    A school official must complete and sign a report verifying:

    • Your enrollment;
    • You are in good standing
    • Your last day of classes is no later than May 31, 2018; and
    • You will graduate before July 1, 2018.

    We will verify for accuracy

  • Letters of Recommendation

    Submit two letters of recommendation, each on letterhead with a handwritten signature:

    • One letter from an instructor; and
    • One additional letter of recommendation.

    Recommendations should include a description of the recommender’s relationship to you, and a discussion of your interest in, and commitment to, a career in primary care and service populations and communities in need.

  • Transcript
    Must come from your current educational institution. An unofficial transcript is acceptable as long as it includes your name, school name, and grade point average (GPA) (may be pass/fail).
  • Loan Information Verification
    Provide two types of documentation for each loan you submit:
    • Document One: 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.
    • Document Two: 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 Supporting Documentation (if applicable)

We may require you to submit additional documents if your responses on the online application indicate that they are relevant.

You should only submit these documents if we list them on the “Supporting Documents” page of the online application.

  • Verification of Disadvantaged Background
    A school official must complete the Verification of Disadvantaged Background (PDF – 168 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.

After You Apply

You will receive a receipt of submission once you successfully submit the online application.

What happens during the application review process?

The S2S LRP application review process occurs over several months through independent, objective review.

Allow at least 30 business days from submission for us to review your documentation and update your application status.

Do we provide you with status updates?

We will provide email updates, as applicable, as well as updates on the status page of the online application. It is your responsibility to ensure your contact information is correct and current.

How do we evaluate you?

We use various selection factors and funding priorities to evaluate applicants of S2S LRP, and eventually determine who receives awards.

Notifying Award Finalists

If we select you as a finalist, you will receive a Confirmation of Interest email. In it, we will provide a deadline for your response.

To accept the S2S LRP award, you will electronically sign a copy of the contract and provide us with your banking information.

Once the Secretary of HHS or their designee countersigns the contract, your service obligation begins.

What if you don’t respond in time?

If you do not respond to us by the deadline, your offer of award expires and we will offer it to an alternate.

What if you decide not to accept the award?

If you decline the award prior to signing the contract, you may do so without penalty.

If you decide you do not want the award after signing the contract, notify us immediately through the BHW Customer Service Portal.

  • If the Secretary of HHS’s designee has not yet countersigned the contract, you will not incur a service obligation or any penalty for withdrawing.
  • If the Secretary of HHS’s designee has already signed the contract, you can request termination of the contract only under certain conditions.

Will we notify you if we do not select you for an award?

Yes. If we do not select you for an award, we will email you no later than February 28.

Contact Us

Call 1-800-221-9393
(TTY: 1-877-897-9910)
M - F, 8:00 am - 8:00 pm ET
(except federal holidays)
Email us
BHW Customer Service Portal

Application & Program Guidance (APG)

Fact Sheets & Posters